GS Mortgage Securities Corp. ABS-15G
Exhibit 99.1 - Schedule 5
| Supplemental Data |
| Run Date - 7/9/2026 4:27:30 PM |
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Unique Loan ID | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | Default Interest Rate | Default Interest Accrual Start Days | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag | Total Number of Mortgaged Properties | Amortization Term Less IO |
| [redacted] | [redacted] | [redacted] | [redacted] | 56625196 | N/A | No | No | XXXX | 8.866% | $1,002.42 | $1,002.42 | 8.874% | No | No | US Citizen | 1 | XXXX | $2,677.92 | XXXX | $223.16 | 0.000% | 0.000% | 0.000% | XXXX | 682 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,040.00 | 6.630% | $0.00 | 1.0 | Yes | No | 8.874% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.71 | XXXX | $4,351.96 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 79.74 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55546500 | N/A | No | No | XXXX | XXXX | 8.842% | $891.12 | $891.12 | 8.875% | No | No | US Citizen | 1 | XXXX | $1,822.20 | XXXX | $151.85 | 0.000% | 0.000% | 0.000% | XXXX | 672 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.290% | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 65.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54441239 | Non QM | Yes | No | XXXX | XXXX | 8.841% | $1,231.80 | $1,231.80 | 8.500% | Yes | No | Self-Employed | US Citizen | $7,533.20 | 1 | XXXX | $2,993.40 | XXXX | $249.45 | 30.921% | 30.921% | 30.921% | XXXX | 630 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | $5,148.00 | 6.220% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.85 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57810356 | N/A | No | No | XXXX | 6.222% | $2,770.73 | $2,770.73 | 6.250% | No | No | US Citizen | 3 | XXXX | $3,215.04 | XXXX | $267.92 | 0.000% | 0.000% | 0.000% | XXXX | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $13,500.00 | 6.220% | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.49 | 0.4 | XXXX | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 111.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55085193 | Non QM | Yes | No | XXXX | XXXX | 7.882% | $1,053.28 | $1,053.28 | 7.375% | No | No | Self-Employed | US Citizen | $6,130.71 | 1 | XXXX | $2,153.04 | XXXX | $179.42 | 21.290% | 21.290% | 21.290% | XXXX | 653 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $6,244.34 | 6.170% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52085162 | Non QM | Yes | No | XXXX | XXXX | 9.167% | $2,678.94 | $2,678.94 | 8.875% | No | No | Self-Employed | US Citizen | $4,997.21 | 1 | XXXX | $2,751.96 | XXXX | $229.33 | 44.271% | 44.271% | 44.271% | XXXX | 657 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | 0 | XXXX | $8,030.65 | 6.230% | $0.00 | None | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56306368 | Non QM | Yes | No | XXXX | XXXX | 7.917% | $1,398.43 | $1,398.43 | 7.500% | No | No | Self-Employed | US Citizen | $2,783.72 | 1 | XXXX | $0.00 | XXXX | $0.00 | 47.369% | 47.369% | 47.369% | XXXX | 627 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $6,921.00 | 6.290% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $357,745.68 | 78.620% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.71 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53850273 | Non QM | Yes | No | XXXX | XXXX | 8.389% | $1,957.69 | $1,957.69 | 7.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,826.19 | 1 | XXXX | $1,796.04 | XXXX | $149.67 | 49.881% | 49.881% | 49.881% | XXXX | 732 | No | Yes | 12 | Business | 57.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $11,853.50 | 6.240% | $4,500.00 | None | N/A | No | 7.875% | 0 | 2 | 0 | 0 | 2 | 2 | 12 | 0.00 | No | XXXX | $60,449.47 | 20.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.37 | Yes | No | $0.00 | $4,135.73 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58124639 | Non QM | Yes | No | XXXX | XXXX | 8.801% | $1,517.56 | $1,517.56 | 8.250% | No | No | Self-Employed | US Citizen | $4,334.78 | 1 | XXXX | $2,102.04 | XXXX | $175.17 | 42.007% | 42.007% | 42.007% | XXXX | 685 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $9,332.40 | 6.240% | $0.00 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53274019 | Non QM | Yes | No | XXXX | XXXX | 6.528% | $7,110.77 | $7,110.77 | 6.500% | No | No | Employed | US Citizen | $14,177.70 | 1 | XXXX | $1,934.76 | XXXX | $161.23 | 48.307% | 48.307% | 48.307% | XXXX | 780 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $1,640.00 | 6.230% | $0.00 | None | No | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $1,147,284.83 | 76.480% | No | 33 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 51.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57183670 | N/A | No | No | XXXX | 6.574% | $941.26 | $941.26 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,203.00 | XXXX | $100.25 | 0.000% | 0.000% | 0.000% | XXXX | 681 | 743 | 747 | 733 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.240% | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.6 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 110.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54078495 | Non QM | Yes | No | XXXX | XXXX | 6.812% | $2,817.37 | $2,817.37 | 6.625% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $6,905.65 | 1 | XXXX | $3,794.88 | XXXX | $316.24 | 44.400% | 44.400% | 44.400% | XXXX | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $3,313.80 | 6.160% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $12,520.83 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.5 | No | No | $12,420.27 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59136135 | Non QM | Yes | No | XXXX | XXXX | 6.826% | $2,967.98 | $2,967.98 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $39,739.73 | 1 | XXXX | $999.96 | XXXX | $83.33 | 26.732% | 26.732% | 26.732% | XXXX | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $2,145.00 | 6.160% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 6.750% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $428,522.54 | 74.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 81.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54726145 | N/A | No | No | XXXX | 6.726% | $3,891.59 | $3,891.59 | 6.750% | No | No | US Citizen | 4 | XXXX | $11,489.16 | XXXX | $957.43 | 0.000% | 0.000% | 0.000% | XXXX | 823 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $24,000.00 | 6.170% | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | XXXX | $208,048.85 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54373405 | Non QM | Yes | No | XXXX | XXXX | 6.800% | $1,560.84 | $1,560.84 | 6.250% | No | No | Self-Employed | US Citizen | $16,434.50 | 1 | XXXX | $1,304.04 | XXXX | $108.67 | 27.913% | 27.913% | 27.913% | XXXX | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $10,621.00 | 6.220% | $0.00 | 1.7 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57273407 | Non QM | Yes | No | XXXX | XXXX | 6.668% | $3,341.78 | $3,341.78 | 6.625% | No | No | Employed | US Citizen | $18,270.24 | 1 | XXXX | $2,088.96 | XXXX | $174.08 | 37.359% | 37.359% | 37.359% | XXXX | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,720.00 | 6.170% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $110,696.73 | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.29 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57030446 | Non QM | Yes | No | XXXX | XXXX | 9.129% | $2,036.85 | $2,036.85 | 8.875% | No | No | Employed | US Citizen | $5,020.50 | 1 | XXXX | $1,595.04 | XXXX | $132.92 | 34.205% | 34.205% | 34.205% | XXXX | 618 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | XXXX | $5,415.00 | 6.170% | $0.00 | 3.3 | None | No | No | 8.875% | 0 | 0 | 0 | 4 | 2 | 0.00 | No | XXXX | $128,471.78 | 40.140% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54426070 | Non QM | Yes | No | XXXX | XXXX | 6.275% | $6,551.23 | $6,551.23 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $55,101.39 | 1 | XXXX | $3,993.96 | XXXX | $332.83 | 26.510% | 26.510% | 26.510% | XXXX | 780 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; Year End Summary - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,590.00 | 6.170% | $0.00 | 4.1 | None | Yes | No | 6.250% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $1,122,896.07 | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 141.75 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50817569 | Non QM | Yes | No | XXXX | XXXX | 6.482% | $3,816.44 | $3,816.44 | 6.374% | No | No | Self-Employed | US Citizen | $7,096.08 | 1 | XXXX | $5,903.64 | XXXX | $491.97 | 43.753% | 43.753% | 43.753% | XXXX | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $6,303.50 | 6.240% | $0.00 | None | N/A | No | 6.374% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52016835 | Non QM | Yes | No | XXXX | XXXX | 7.196% | $1,011.71 | $1,011.71 | 6.749% | No | No | Self-Employed | US Citizen | $1,775.10 | 1 | XXXX | $306.00 | XXXX | $25.50 | 49.947% | 49.947% | 49.947% | XXXX | 753 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $4,407.28 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.749% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $156,589.29 | 73.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 51.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53600889 | N/A | No | No | XXXX | XXXX | 9.234% | $2,220.76 | $2,220.76 | 9.000% | No | No | Self-Employed | US Citizen | $79,709.52 | 1 | XXXX | $1,011.00 | XXXX | $84.25 | 18.017% | 18.017% | 18.017% | XXXX | 656 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $4,603.68 | 6.170% | $0.00 | None | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $10,000.00 | 2.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.03 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51323416 | Non QM | Yes | No | XXXX | XXXX | 6.478% | $2,121.16 | $2,121.16 | 6.375% | No | No | Employed | US Citizen | $6,806.06 | 1 | XXXX | $3,433.08 | XXXX | $286.09 | 39.502% | 39.502% | 39.502% | XXXX | 801 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,640.00 | 6.260% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $363,894.03 | 56.850% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51127901 | N/A | No | No | XXXX | 7.246% | $409.31 | $409.31 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $822.00 | XXXX | $68.50 | 0.000% | 0.000% | 0.000% | XXXX | 744 | 735 | 751 | 744 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | 3.5 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.08 | 0.48 | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 92.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52439920 | Non QM | Yes | No | XXXX | XXXX | 7.211% | $1,819.04 | $1,819.04 | 7.125% | No | No | Not Employed | Employed | US Citizen | US Citizen | $10,274.74 | 1 | XXXX | $332.28 | XXXX | $27.69 | 33.299% | 33.299% | 33.299% | XXXX | 747 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $1,920.00 | 6.260% | $0.00 | 1.9 | DU | ApproveEligible | N/A | No | 7.125% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $214,286.53 | 59.520% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.95 | No | No | $0.00 | $15,404.08 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55049832 | Non QM | Yes | No | XXXX | XXXX | 6.841% | $1,829.05 | $1,829.05 | 6.750% | No | No | Non-Employment Income | US Citizen | $6,880.60 | 1 | XXXX | $2,514.00 | XXXX | $209.50 | 44.837% | 44.837% | 44.837% | XXXX | 794 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $1,640.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | XXXX | $1,930,978.97 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.99 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56091441 | Non QM | Yes | No | XXXX | XXXX | 6.463% | $4,354.61 | $4,354.61 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $27,041.43 | 1 | XXXX | $7,870.20 | XXXX | $655.85 | 18.628% | 18.628% | 18.628% | XXXX | 801 | No | Yes | 12 | Business | 100.000% | 42.780% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.78% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,740.00 | 6.260% | $15,000.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $630,212.97 | 50.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53438812 | Non QM | Yes | No | XXXX | XXXX | 6.597% | $2,781.10 | $2,781.10 | 6.500% | No | No | Not Employed | Employed | US Citizen | US Citizen | $13,874.20 | 1 | XXXX | $2,347.92 | XXXX | $195.66 | 43.038% | 43.038% | 43.038% | XXXX | 791 | No | No | [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $2,343.20 | 6.260% | $6,858.00 | 2.3 | None | No | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $670,723.28 | 79.840% | No | 8 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 67.71 | No | No | $0.00 | $24,356.75 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58275551 | Non QM | Yes | No | XXXX | XXXX | 6.772% | $4,079.74 | $4,079.74 | 6.625% | No | No | Self-Employed | US Citizen | $25,764.27 | 1 | XXXX | $4,705.44 | XXXX | $392.12 | 28.383% | 28.383% | 28.383% | XXXX | 750 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $7,980.01 | 6.260% | $0.00 | 1.2 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | $100,035.23 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57938669 | Non QM | Yes | No | XXXX | XXXX | 7.645% | $19,407.35 | $19,407.35 | 7.625% | No | No | Self-Employed | US Citizen | $49,190.62 | 1 | XXXX | $4,622.04 | XXXX | $385.17 | 39.461% | 39.461% | 39.461% | XXXX | 791 | No | No | [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,740.00 | 6.260% | $0.00 | None | N/A | No | 7.625% | 2 | 2 | 0 | 2 | 2 | No | XXXX | $445,842.77 | 14.610% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57902593 | N/A | No | No | XXXX | 6.947% | $944.23 | $944.23 | 7.000% | No | No | US Citizen | 1 | XXXX | $1,004.04 | XXXX | $83.67 | 0.000% | 0.000% | 0.000% | XXXX | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | 1.3 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXX | $28,340.53 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.31 | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51916968 | Non QM | Yes | No | XXXX | XXXX | 7.985% | $1,363.92 | $1,363.92 | 7.749% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,561.96 | 1 | XXXX | $1,260.96 | XXXX | $105.08 | 17.538% | 17.538% | 17.538% | XXXX | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,221.00 | 6.260% | $0.00 | None | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $51,411.23 | 21.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51507479 | Non QM | Yes | No | XXXX | XXXX | 6.153% | $5,826.99 | $5,826.99 | 6.125% | No | No | Employed | Employed | US Citizen | US Citizen | $21,341.14 | 1 | XXXX | $6,464.76 | XXXX | $538.73 | 33.584% | 33.584% | 33.584% | XXXX | 760 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,820.00 | 6.260% | $0.00 | 4.6 | None | No | No | 6.125% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $92,471.60 | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.25 | No | $0.00 | $13,799.10 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56590919 | Non QM | Yes | No | XXXX | 7.324% | $1,823.38 | $1,823.38 | 7.375% | No | No | Self-Employed | US Citizen | $6,307.86 | 1 | XXXX | $4,395.96 | XXXX | $366.33 | 43.805% | 43.805% | 43.805% | XXXX | 739 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $4,620.00 | 6.260% | $51,100.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $53,015.21 | 16.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.39 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59590268 | Non QM | Yes | No | XXXX | XXXX | 6.550% | $2,401.86 | $2,401.86 | 6.500% | No | No | Not Employed | Employed | US Citizen | US Citizen | $12,978.51 | 1 | XXXX | $3,064.32 | XXXX | $255.36 | 37.691% | 37.691% | 37.691% | XXXX | 750 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,670.00 | 6.260% | $200.00 | 999.0 | None | No | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $2,487,271.63 | 100.000% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 592.38 | No | No | $0.00 | $20,829.17 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670496 | Non QM | Yes | No | XXXX | XXXX | 7.563% | $1,574.74 | $1,574.74 | 7.375% | No | No | Non-Employment Income | US Citizen | $6,542.07 | 1 | XXXX | $867.96 | XXXX | $72.33 | 34.579% | 34.579% | 34.579% | XXXX | 787 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - IRA Distribution]; 1099 Transcript - 2024 [Borrower - | Primary Income - IRA Distribution]; 1099 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - IRA Distribution]; 1099 Transcript - 2023 [Borrower - | Primary Income - IRA Distribution]; 1099 Transcript - No Results Returned - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $1,640.00 | 6.260% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.66 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56153339 | N/A | No | No | XXXX | 7.218% | $920.94 | $920.94 | 7.250% | No | No | US Citizen | 1 | XXXX | $717.00 | XXXX | $59.75 | 0.000% | 0.000% | 0.000% | XXXX | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | 3.2 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 123.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52015685 | Non QM | Yes | No | XXXX | XXXX | 6.880% | $29,561.14 | $29,561.14 | 6.875% | No | No | Non-Employment Income | US Citizen | $64,963.26 | 1 | XXXX | $1,746.00 | XXXX | $145.50 | 39.423% | 39.423% | 39.423% | XXXX | 773 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $1,640.00 | 6.220% | $3,540.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | XXXX | $19,870,825.85 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 56.86 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58242421 | Non QM | Yes | No | XXXX | XXXX | 8.723% | $2,199.20 | $2,199.20 | 8.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,591.80 | 1 | XXXX | $1,765.20 | XXXX | $147.10 | 39.228% | 39.228% | 39.228% | XXXX | 679 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,545.00 | 6.260% | $0.00 | None | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 100.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56596177 | Non QM | Yes | No | XXXX | XXXX | 6.687% | $4,277.28 | $4,277.28 | 6.625% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $22,282.58 | 1 | XXXX | $1,314.00 | XXXX | $109.50 | 33.844% | 33.844% | 33.844% | XXXX | 802 | No | No | [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Trust Income]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Trust Income]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Trust Income]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Trust Income]; Trust Agreement - 2025 [Coborrower(s) - | Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Primary Income - IRA Distribution]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $2,090.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $1,353,710.39 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 139.39 | No | No | $33,681.92 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58353322 | N/A | No | No | XXXX | XXXX | 8.444% | $1,960.73 | $1,960.73 | 8.500% | No | No | US Citizen | 1 | XXXX | $2,184.96 | XXXX | $182.08 | 0.000% | 0.000% | 0.000% | XXXX | 664 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,550.00 | 6.260% | $0.00 | 1.0 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXX | $271,921.39 | 79.970% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 67.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58915187 | Non QM | Yes | No | XXXX | XXXX | 8.062% | $5,510.53 | $5,510.53 | 7.875% | No | No | Self-Employed | US Citizen | $86,840.12 | 1 | XXXX | $3,029.04 | XXXX | $252.42 | 11.635% | 11.635% | 11.635% | XXXX | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $13,241.00 | 6.190% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $99,055.33 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59005776 | Non QM | Yes | No | XXXX | XXXX | 6.351% | $2,896.95 | $2,896.95 | 6.250% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $7,170.75 | 1 | XXXX | $1,262.16 | XXXX | $105.18 | 38.660% | 38.660% | 38.660% | XXXX | 750 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | XXXX | $5,644.90 | 6.260% | $0.00 | 1.0 | None | No | No | 6.250% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $17,125.07 | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.41 | No | $6,490.09 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53718165 | N/A | No | No | XXXX | 6.614% | $875.63 | $875.63 | 6.625% | No | No | US Citizen | 1 | XXXX | $944.76 | XXXX | $78.73 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,102.50 | 6.230% | $0.00 | 1.5 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50185804 | Non QM | Yes | No | XXXX | XXXX | 6.387% | $2,385.90 | $2,385.90 | 6.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $46,191.13 | 1 | XXXX | $1,338.00 | XXXX | $111.50 | 21.929% | 21.929% | 21.929% | XXXX | 749 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $3,577.50 | 6.230% | $0.00 | None | No | No | 6.250% | 2 | 2 | 2 | 0 | 3 | 2 | 10.93 | No | XXXX | $669,560.68 | 86.390% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 35.61 | No | No | $29,582.90 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50944646 | N/A | No | No | XXXX | XXXX | 8.931% | $741.83 | $741.83 | 8.375% | No | No | Self-Employed | US Citizen | $39,085.23 | 2 | XXXX | $2,000.04 | XXXX | $166.67 | 24.850% | 24.850% | 24.850% | XXXX | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,672.61 | 6.230% | $0.00 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $2,000.00 | 1.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 296.33 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53637214 | Non QM | Yes | No | XXXX | XXXX | 6.666% | $4,174.83 | $4,174.83 | 6.625% | No | No | Self-Employed | US Citizen | $51,846.83 | 1 | XXXX | $6,804.00 | XXXX | $567.00 | 21.216% | 21.216% | 21.216% | XXXX | 807 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,820.00 | 6.230% | $0.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 123.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51250613 | Non QM | Yes | No | XXXX | XXXX | 6.702% | $3,092.70 | $3,092.70 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $127,247.08 | 1 | XXXX | $1,752.96 | XXXX | $146.08 | 14.944% | 14.944% | 14.944% | XXXX | 756 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,640.00 | 6.230% | $0.00 | None | N/A | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | XXXX | $423,182.70 | 61.330% | No | 32 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 41.93 | No | No | $0.00 | $17,250.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56442379 | Non QM | Yes | No | XXXX | XXXX | 8.502% | $3,040.29 | $3,040.29 | 8.375% | No | No | Self-Employed | US Citizen | $8,951.51 | 1 | XXXX | $2,274.00 | XXXX | $189.50 | 36.068% | 36.068% | 36.068% | XXXX | 650 | No | No | Third Party Prepared | [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Non-Primary Income - Wages]; Other - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Personal - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | XXXX | $4,263.00 | 6.230% | $11,000.00 | 1.0 | None | Yes | No | 8.375% | 1 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | $128,692.93 | 25.730% | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56702375 | Non QM | Yes | No | XXXX | XXXX | 6.728% | $1,614.93 | $1,614.93 | 6.500% | No | No | Self-Employed | US Citizen | $3,108.73 | 1 | XXXX | $1,710.00 | XXXX | $142.50 | 43.834% | 43.834% | 43.834% | XXXX | 766 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $5,461.09 | 6.230% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $304,103.84 | 83.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 68.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58628380 | N/A | No | No | XXXX | XXXX | 6.838% | $591.24 | $591.24 | 6.875% | No | No | US Citizen | 1 | XXXX | $803.04 | XXXX | $66.92 | 0.000% | 0.000% | 0.000% | XXXX | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.230% | $0.00 | 4.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 98.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56093843 | Non QM | Yes | No | XXXX | XXXX | 6.562% | $2,495.48 | $2,495.48 | 6.375% | No | No | Self-Employed | US Citizen | $7,815.27 | 1 | XXXX | $3,383.52 | XXXX | $281.96 | 43.342% | 43.342% | 43.342% | XXXX | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $7,000.00 | 6.230% | $52,000.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $51,433.94 | 10.280% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.11 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51564864 | Non QM | Yes | No | XXXX | XXXX | 7.117% | $3,645.86 | $3,645.86 | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $26,301.64 | 1 | XXXX | $4,913.76 | XXXX | $409.48 | 26.745% | 26.745% | 26.745% | XXXX | 758 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,713.00 | 6.230% | $0.00 | 1.0 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.58 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52299125 | Non QM | Yes | No | XXXX | XXXX | 8.299% | $1,726.14 | $1,726.14 | 8.124% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $4,675.13 | 1 | XXXX | $1,293.96 | XXXX | $107.83 | 49.803% | 49.803% | 49.803% | XXXX | 690 | No | Yes | 19 | Business | 49.000% | 10.000% | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $7,607.50 | 6.230% | $0.00 | 1.0 | None | No | No | 8.124% | 1 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | $65,339.11 | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.46 | No | No | $837.31 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56451433 | N/A | No | No | XXXX | 7.848% | $612.68 | $612.68 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,389.00 | XXXX | $115.75 | 0.000% | 0.000% | 0.000% | XXXX | 640 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $845.00 | 6.230% | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 51.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59256520 | Non QM | Yes | No | XXXX | XXXX | 6.845% | $2,212.01 | $2,212.01 | 6.499% | No | No | Employed | Employed | US Citizen | US Citizen | $48,551.80 | 1 | XXXX | $2,688.48 | XXXX | $224.04 | 14.795% | 14.795% | 14.795% | XXXX | 798 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $10,107.50 | 6.230% | $0.00 | 1.0 | None | Yes | No | 6.499% | 2 | 2 | 2 | 0 | 4 | 2 | 0.00 | No | XXXX | $1,303,479.65 | 100.000% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 228.12 | No | No | $0.00 | $15,405.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56139274 | N/A | No | No | XXXX | XXXX | 7.130% | $4,070.87 | $4,070.87 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Ecuador | $33,008.19 | 1 | XXXX | $2,983.08 | XXXX | $248.59 | 20.014% | 20.014% | 20.014% | XXXX | 758 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $42,428.38 | 6.230% | $0.00 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | $333,389.46 | 38.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 8.51 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55586417 | Non QM | Yes | No | XXXX | XXXX | 7.550% | $2,900.84 | $2,900.84 | 7.375% | No | No | Self-Employed | US Citizen | $14,095.82 | 1 | XXXX | $1,367.04 | XXXX | $113.92 | 33.611% | 33.611% | 33.611% | XXXX | 659 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,840.00 | 6.230% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $13,902.80 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50422632 | Non QM | Yes | No | XXXX | XXXX | 10.050% | $5,057.26 | $5,057.26 | 9.875% | No | No | Self-Employed | US Citizen | $9,853.43 | 1 | XXXX | $3,672.00 | XXXX | $306.00 | 48.321% | 48.321% | 48.321% | XXXX | 656 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $19,354.23 | 6.230% | $0.00 | None | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55507638 | Non QM | Yes | No | XXXX | XXXX | 6.414% | $3,412.57 | $3,412.57 | 6.375% | No | No | Self-Employed | US Citizen | $10,452.22 | 1 | XXXX | $950.04 | XXXX | $79.17 | 43.575% | 43.575% | 43.575% | XXXX | 816 | No | No | [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Primary Income - C-Corp]; 1120 - 2023 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - C-Corp]; W-2 - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,720.00 | 6.230% | $0.00 | DU | ApproveEligible | No | No | 6.375% | 2 | 2 | 0 | 2 | 2 | No | XXXX | $575,902.42 | 60.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.96 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50663150 | N/A | No | No | XXXX | XXXX | 7.813% | $2,444.76 | $2,444.76 | 7.750% | No | No | Permanent Resident Alien | 1 | XXXX | $2,364.96 | XXXX | $197.08 | 0.000% | 0.000% | 0.000% | XXXX | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,977.81 | 6.230% | $0.00 | 1.7 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59457358 | N/A | No | No | XXXX | 6.213% | $1,022.09 | $1,022.09 | 6.250% | No | No | US Citizen | 1 | XXXX | $1,139.28 | XXXX | $94.94 | 0.000% | 0.000% | 0.000% | XXXX | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,320.00 | 6.260% | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXX | $17,916.59 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58578790 | Non QM | Yes | No | XXXX | XXXX | 6.382% | $12,059.38 | $14,161.85 | 6.375% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $22,365.96 | 1 | XXXX | $2,681.04 | XXXX | $223.42 | 49.087% | 44.301% | 54.996% | XXXX | 759 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Coborrower(s) - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,640.00 | 6.260% | $0.00 | 1.0 | None | No | No | 6.375% | 1 | 3 | 1 | 0 | 3 | 0 | 0.00 | No | 240 | XXXX | $348,922.72 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 21.08 | No | No | $0.00 | $25,596.05 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50178914 | Non QM | Yes | No | XXXX | XXXX | 9.038% | $5,649.08 | $5,649.08 | 8.875% | No | No | Self-Employed | US Citizen | $34,660.94 | 1 | XXXX | $722.40 | XXXX | $60.20 | 27.732% | 27.732% | 27.732% | XXXX | 668 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $9,040.00 | 6.260% | $0.00 | None | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51894396 | Non QM | Yes | No | XXXX | XXXX | 6.786% | $5,221.21 | $5,221.21 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $13,151.19 | 1 | XXXX | $3,308.04 | XXXX | $275.67 | 42.089% | 42.089% | 42.089% | XXXX | 709 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,640.00 | 6.230% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $28,442.53 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.25 | No | No | $11,354.56 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54886256 | Non QM | Yes | No | XXXX | XXXX | 6.422% | $3,989.85 | $3,989.85 | 6.250% | No | No | Self-Employed | US Citizen | $46,229.80 | 1 | XXXX | $4,026.12 | XXXX | $335.51 | 16.934% | 16.934% | 16.934% | XXXX | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,720.00 | 6.260% | $180,000.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $18,763.64 | 2.310% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.91 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59530576 | N/A | No | No | XXXX | 7.232% | $698.55 | $698.55 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,455.00 | XXXX | $121.25 | 0.000% | 0.000% | 0.000% | XXXX | 733 | 763 | 802 | 761 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 2.1 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.84 | XXXX | $86,937.17 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 70.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53119273 | N/A | No | No | XXXX | XXXX | 7.709% | $1,693.88 | $1,693.88 | 7.677% | No | No | Self-Employed | US Citizen | $15,020.43 | 1 | XXXX | $3,569.04 | XXXX | $297.42 | 39.169% | 39.169% | 39.375% | XXXX | 731 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $5,424.38 | 6.250% | $0.00 | 3.2 | None | Yes | No | 7.375% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | XXXX | $101,420.63 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.53 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58359611 | Non QM | Yes | No | XXXX | XXXX | 6.780% | $1,859.13 | $1,859.13 | 6.375% | No | No | Self-Employed | US Citizen | $11,138.50 | 2 | XXXX | $4,182.36 | XXXX | $348.53 | 21.637% | 21.637% | 21.637% | XXXX | 810 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Personal - 2025 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | XXXX | $11,180.76 | 6.260% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | $40,955.81 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55738832 | Non QM | Yes | No | XXXX | XXXX | 6.180% | $2,398.20 | $2,398.20 | 6.000% | No | No | Non-Employment Income | US Citizen | $26,631.48 | 1 | XXXX | $1,500.00 | XXXX | $125.00 | 16.476% | 16.476% | 16.476% | XXXX | 776 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $5,140.00 | 6.260% | $0.00 | None | N/A | No | 6.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | XXXX | $5,778,402.30 | 100.000% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 262.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53215477 | N/A | No | No | XXXX | XXXX | 6.636% | $1,954.83 | $1,954.83 | 5.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $58,425.54 | 1 | XXXX | $2,824.68 | XXXX | $235.39 | 13.975% | 13.975% | 13.975% | XXXX | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $34,027.00 | 6.260% | $8,160.00 | 2.6 | None | No | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $48,381.96 | 11.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.78 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50330395 | Non QM | Yes | No | XXXX | XXXX | 6.544% | $6,320.68 | $6,320.68 | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $19,884.69 | 1 | XXXX | $6,423.84 | XXXX | $535.32 | 32.484% | 32.484% | 32.484% | XXXX | 817 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $1,940.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | XXXX | $3,723,701.47 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 150.62 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56742633 | N/A | No | No | XXXX | 6.246% | $2,062.43 | $2,062.43 | 6.249% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,231.80 | XXXX | $102.65 | 0.000% | 0.000% | 0.000% | XXXX | 787 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $13,400.00 | 6.170% | $0.00 | 1.3 | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | $29,268.29 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54948299 | N/A | No | No | XXXX | 6.246% | $2,062.43 | $2,062.43 | 6.249% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,228.68 | XXXX | $102.39 | 0.000% | 0.000% | 0.000% | XXXX | 787 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $13,400.00 | 6.060% | $0.00 | 1.3 | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | $0.00 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54636732 | Non QM | Yes | No | XXXX | XXXX | 6.611% | $4,904.85 | $4,904.85 | 6.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $34,397.06 | 1 | XXXX | $5,153.04 | XXXX | $429.42 | 21.518% | 21.518% | 21.518% | XXXX | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,296.12 | 6.250% | $3,000.00 | 3.9 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $25,000.00 | 2.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56271234 | Non QM | Yes | No | XXXX | XXXX | 7.996% | $2,007.44 | $2,007.44 | 7.500% | No | No | Self-Employed | US Citizen | $14,397.66 | 1 | XXXX | $1,154.04 | XXXX | $96.17 | 26.149% | 26.149% | 26.149% | XXXX | 771 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $11,412.89 | 6.230% | $23,000.00 | 2.9 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $2,000.00 | 0.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50084579 | Non QM | Yes | No | XXXX | XXXX | 6.143% | $2,247.86 | $2,247.86 | 6.124% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $24,978.31 | 1 | XXXX | $1,689.00 | XXXX | $140.75 | 14.392% | 14.392% | 14.392% | XXXX | 751 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,269.83 | 6.260% | $19,990.80 | None | N/A | No | 6.124% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $10,000.00 | 1.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 35.75 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57857186 | N/A | No | No | XXXX | 6.730% | $6,129.25 | $6,129.25 | 6.750% | No | No | US Citizen | 3 | XXXX | $4,272.36 | XXXX | $356.03 | 0.000% | 0.000% | 0.000% | XXXX | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.11 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56324391 | Non QM | Yes | No | XXXX | XXXX | 6.981% | $3,783.91 | $3,783.91 | 6.875% | No | No | Self-Employed | US Citizen | $30,558.92 | 1 | XXXX | $2,796.48 | XXXX | $233.04 | 23.295% | 23.295% | 23.295% | XXXX | 735 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $5,943.68 | 6.260% | $100,000.00 | 1.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $143,105.78 | 19.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50343854 | Non QM | Yes | No | XXXX | XXXX | 6.370% | $3,406.20 | $3,406.20 | 6.000% | No | No | Employed | Employed | US Citizen | US Citizen | $60,823.68 | 1 | XXXX | $1,002.96 | XXXX | $83.58 | 16.746% | 16.746% | 16.746% | XXXX | 763 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $14,932.99 | 6.260% | $0.00 | None | No | No | 6.000% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $289,729.47 | 38.240% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.93 | No | No | $0.00 | $61,641.21 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52167904 | Non QM | Yes | No | XXXX | XXXX | 6.956% | $4,867.84 | $4,867.84 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,207.47 | 1 | XXXX | $1,835.52 | XXXX | $152.96 | 36.115% | 36.115% | 36.115% | XXXX | 772 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $5,502.70 | 6.250% | $0.00 | 2.1 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 75.09 | No | $10,726.31 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58474002 | Non QM | Yes | No | XXXX | XXXX | 7.405% | $10,232.64 | $10,232.64 | 7.250% | No | No | Self-Employed | US Citizen | $13,838.23 | 2 | XXXX | $2,486.04 | XXXX | $207.17 | 48.456% | 48.456% | 48.456% | XXXX | 789 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $61,065.00 | 6.310% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54099346 | N/A | No | No | XXXX | 6.730% | $674.54 | $674.54 | 6.750% | No | No | US Citizen | 1 | XXXX | $689.04 | XXXX | $57.42 | 0.000% | 0.000% | 0.000% | XXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.260% | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | XXXX | $138,972.73 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 132.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54757708 | Non QM | Yes | No | XXXX | XXXX | 7.513% | $6,992.15 | $6,992.15 | 7.500% | No | No | Self-Employed | US Citizen | $15,850.37 | 1 | XXXX | $6,535.08 | XXXX | $544.59 | 45.940% | 45.940% | 45.940% | XXXX | 778 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | 6.220% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.1 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51502234 | N/A | No | No | XXXX | XXXX | 6.283% | $5,924.48 | $8,314.31 | 6.250% | No | No | Employed | US Citizen | $21,237.00 | 1 | XXXX | $420.96 | XXXX | $35.08 | 33.550% | 26.072% | 33.550% | XXXX | 784 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $58,515.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | 240 | XXXX | $3,807,830.33 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 183.38 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54200916 | Non QM | Yes | No | XXXX | XXXX | 6.392% | $668.37 | $668.37 | 6.125% | No | No | Non-Employment Income | US Citizen | $2,381.20 | 1 | XXXX | $1,515.96 | XXXX | $126.33 | 31.405% | 31.405% | 31.405% | XXXX | 793 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $1,920.00 | 6.260% | $10,000.00 | 4.3 | None | Yes | No | 6.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | XXXX | $995,322.31 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 158.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56310719 | Non QM | Yes | No | XXXX | XXXX | 8.622% | $5,425.08 | $5,425.08 | 8.625% | No | No | Self-Employed | US Citizen | $38,012.69 | 1 | XXXX | $2,511.96 | XXXX | $209.33 | 16.492% | 16.492% | 16.492% | XXXX | 741 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | 6.100% | $0.00 | 1.5 | None | Yes | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $40,484.55 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54607317 | Non QM | Yes | No | XXXX | XXXX | 8.043% | $3,833.97 | $3,833.97 | 7.750% | No | No | Self-Employed | US Citizen | $116,753.98 | 1 | XXXX | $4,388.64 | XXXX | $365.72 | 8.588% | 8.588% | 8.588% | XXXX | 658 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $14,038.83 | 6.260% | $5,000.00 | 3.8 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $7,300.00 | 1.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.15 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54227308 | Non QM | Yes | No | XXXX | XXXX | 7.738% | $707.79 | $707.79 | 7.625% | No | No | Employed | US Citizen | $3,575.39 | 1 | XXXX | $1,361.04 | XXXX | $113.42 | 26.428% | 26.428% | 26.428% | XXXX | 669 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $130.25 | 6.260% | $0.00 | None | N/A | No | 7.625% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $199,421.48 | 80.770% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 70.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52520726 | Non QM | Yes | No | XXXX | XXXX | 7.165% | $919.70 | $919.70 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,606.46 | 1 | XXXX | $1,416.96 | XXXX | $118.08 | 24.701% | 24.701% | 24.701% | XXXX | 802 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | XXXX | $2,340.00 | 6.190% | $0.00 | 1.0 | None | Yes | No | 6.875% | 1 | 0 | 0 | 0 | 2 | 0 | 11.10 | No | XXXX | $328,709.98 | 78.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.25 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53426700 | Non QM | Yes | No | XXXX | XXXX | 8.279% | $2,608.53 | $2,608.53 | 8.000% | No | No | Self-Employed | US Citizen | $8,117.92 | 1 | XXXX | $2,889.96 | XXXX | $240.83 | 29.239% | 29.239% | 29.239% | XXXX | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,259.41 | 6.190% | $0.00 | 4.2 | None | No | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $297,660.15 | 75.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 74.56 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50237284 | N/A | No | No | XXXX | 7.852% | $446.64 | $446.64 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,084.44 | XXXX | $90.37 | 0.000% | 0.000% | 0.000% | XXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.190% | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 92.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58261363 | Non QM | No | No | XXXX | XXXX | 7.449% | $551.82 | $551.82 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $12,283.51 | 1 | XXXX | $423.96 | XXXX | $35.33 | 10.343% | 10.343% | 10.343% | XXXX | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $3,908.85 | 6.190% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $35,386.57 | 33.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.9 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57527159 | Non QM | Yes | No | XXXX | XXXX | 7.621% | $1,620.17 | $1,620.17 | 7.400% | No | No | Self-Employed | US Citizen | $22,814.06 | 1 | XXXX | $1,206.96 | XXXX | $100.58 | 15.765% | 15.765% | 15.765% | XXXX | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $4,404.54 | 6.270% | $7,800.00 | 3.6 | None | No | No | 7.400% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $3,000.00 | 1.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51813021 | Non QM | Yes | No | XXXX | XXXX | 6.554% | $2,743.18 | $2,743.18 | 6.500% | No | No | Employed | US Citizen | $35,792.40 | 1 | XXXX | $684.96 | XXXX | $57.08 | 23.589% | 23.589% | 23.589% | XXXX | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Year End Summary - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,820.00 | 6.190% | $0.00 | 2.1 | DU | ApproveEligible | Yes | No | 6.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $229,133.95 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.86 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52945070 | N/A | No | No | XXXX | XXXX | 6.760% | $4,258.07 | $4,258.07 | 6.625% | No | No | Not Employed | Self-Employed | US Citizen | $17,963.30 | 4 | XXXX | $3,264.00 | XXXX | $272.00 | 32.451% | 32.451% | 32.451% | XXXX | 807 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $28,515.00 | 6.160% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 64.79 | No | No | $24,294.76 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56335071 | Non QM | Yes | No | XXXX | XXXX | 6.441% | $5,444.29 | $5,444.29 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,382.66 | 1 | XXXX | $4,763.28 | XXXX | $396.94 | 40.738% | 40.738% | 40.738% | XXXX | 756 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $1,295.00 | 6.190% | $0.00 | 1.6 | None | No | No | 6.375% | 1 | 0 | 1 | 0 | 2 | 1 | 8.97 | No | XXXX | $20,979.65 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 2.96 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54146608 | Non QM | Yes | No | XXXX | XXXX | 7.301% | $2,203.12 | $2,203.12 | 6.874% | No | No | Self-Employed | US Citizen | $2,622.03 | 1 | XXXX | $2,688.00 | XXXX | $224.00 | 49.986% | 49.986% | 49.986% | XXXX | 663 | No | Yes | 12 | Business | 90.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2025 [Borrower - | Non-Primary Income - Child Support]; Other - 2025 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $13,534.00 | 6.190% | $0.00 | 3.5 | None | Yes | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 45.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50201925 | Non QM | Yes | No | XXXX | XXXX | 6.555% | $3,710.97 | $3,710.97 | 6.500% | No | No | Self-Employed | US Citizen | $8,360.44 | 1 | XXXX | $1,708.56 | XXXX | $142.38 | 40.561% | 40.561% | 40.561% | XXXX | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $7,795.15 | 6.170% | $0.00 | 1.2 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $106,732.25 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57587716 | Non QM | Yes | No | XXXX | XXXX | 8.112% | $1,892.25 | $1,892.25 | 7.874% | No | No | Self-Employed | US Citizen | $5,272.79 | 1 | XXXX | $2,168.04 | XXXX | $180.67 | 31.895% | 31.895% | 31.895% | XXXX | 775 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 31.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $4,695.01 | 6.190% | $6,000.00 | None | Yes | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $51,939.71 | 17.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58184802 | Non QM | Yes | No | XXXX | XXXX | 7.354% | $826.96 | $826.96 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $45,563.25 | 1 | XXXX | $1,128.00 | XXXX | $94.00 | 13.468% | 13.468% | 13.468% | XXXX | 734 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $5,815.28 | 6.190% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $40,849.58 | 27.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.73 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55545802 | N/A | No | No | XXXX | XXXX | 6.590% | $2,964.40 | $2,964.40 | 6.500% | No | No | Self-Employed | US Citizen | $29,287.47 | 1 | XXXX | $3,072.00 | XXXX | $256.00 | 28.744% | 28.744% | 28.744% | XXXX | 800 | No | No | Audited | [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $27,311.58 | 6.220% | $0.00 | 2.2 | None | Yes | No | 6.500% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXX | $215,038.02 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 60.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58190959 | Non QM | Yes | No | XXXX | XXXX | 7.447% | $821.94 | $821.94 | 7.125% | No | No | Self-Employed | US Citizen | $8,869.69 | 1 | XXXX | $1,047.96 | XXXX | $87.33 | 32.724% | 32.724% | 32.724% | XXXX | 698 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,200.00 | 6.190% | $0.00 | 2.9 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $5,000.00 | 2.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.1 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50625968 | N/A | No | No | XXXX | XXXX | 6.725% | $2,401.17 | $2,401.17 | 6.625% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $9,120.40 | 1 | XXXX | $1,095.48 | XXXX | $91.29 | 39.197% | 39.197% | 39.197% | XXXX | 796 | No | No | [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $20,087.50 | 6.190% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $1,390,274.17 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 243.06 | No | No | $15,000.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59229814 | Non QM | Yes | No | XXXX | XXXX | 9.119% | $5,430.72 | $5,430.72 | 8.999% | No | No | Self-Employed | US Citizen | $20,494.32 | 1 | XXXX | $6,356.16 | XXXX | $529.68 | 41.445% | 41.445% | 41.445% | XXXX | 705 | No | Yes | 24 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $6,645.00 | 6.190% | $10,000.00 | None | N/A | No | 8.999% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $71,724.24 | 9.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.1 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51484932 | N/A | No | No | XXXX | 7.473% | $6,516.68 | $6,516.68 | 7.500% | No | No | 0 | US Citizen | US Citizen | 3 | XXXX | $3,092.52 | XXXX | $257.71 | 0.000% | 0.000% | 0.000% | XXXX | 737 | 719 | 740 | 737 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $37,280.00 | 6.190% | $15,000.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXX | $232,676.32 | 19.970% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57162739 | Non QM | Yes | No | XXXX | XXXX | 7.202% | $4,800.16 | $4,800.16 | 7.000% | No | No | Self-Employed | US Citizen | $57,672.01 | 1 | XXXX | $2,090.64 | XXXX | $174.22 | 34.373% | 34.373% | 34.373% | XXXX | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $13,611.34 | 6.170% | $0.00 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 114 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56865282 | Non QM | Yes | No | XXXX | XXXX | 6.960% | $2,562.02 | $2,562.02 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,688.50 | 1 | XXXX | $1,320.60 | XXXX | $110.05 | 49.843% | 49.843% | 49.843% | XXXX | 789 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,570.00 | 6.190% | $0.00 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $350,531.83 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.01 | No | No | $7,664.50 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52928954 | Non QM | Yes | No | XXXX | XXXX | 6.048% | $3,509.17 | $3,509.17 | 6.000% | No | No | Employed | Employed | US Citizen | US Citizen | $12,299.68 | 1 | XXXX | $1,698.00 | XXXX | $141.50 | 29.626% | 29.626% | 29.626% | XXXX | 794 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $7,290.29 | 6.190% | $12,700.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.000% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $353,830.65 | 46.740% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.21 | No | $0.00 | $6,373.48 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58041977 | N/A | No | No | XXXX | 7.466% | $664.25 | $664.25 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,094.04 | XXXX | $91.17 | 0.000% | 0.000% | 0.000% | XXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $950.00 | 6.190% | $0.00 | 4.5 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55942117 | N/A | No | No | XXXX | XXXX | 7.787% | $16,440.77 | $17,266.42 | 7.625% | No | No | Self-Employed | US Citizen | $35,189.93 | 1 | XXXX | $2,131.56 | XXXX | $177.63 | 48.282% | 47.068% | 49.820% | XXXX | 790 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $47,173.10 | 6.190% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 360 | XXXX | $209,202.78 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.11 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59860717 | Non QM | Yes | No | XXXX | XXXX | 6.671% | $862.00 | $862.00 | 6.250% | No | No | Self-Employed | US Citizen | $7,087.49 | 1 | XXXX | $1,299.00 | XXXX | $108.25 | 24.278% | 24.278% | 24.278% | XXXX | 806 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $5,324.40 | 6.190% | $0.00 | 1.0 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $253,808.72 | 88.280% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 86.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54427374 | Non QM | Yes | No | XXXX | XXXX | 6.350% | $2,155.01 | $2,155.01 | 6.250% | No | No | Non-Employment Income | US Citizen | $12,858.08 | 1 | XXXX | $1,444.56 | XXXX | $120.38 | 37.936% | 37.936% | 37.936% | XXXX | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $2,240.00 | 6.220% | $1,000.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | XXXX | $2,916,193.44 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55760463 | Non QM | Yes | No | XXXX | XXXX | 7.347% | $3,260.80 | $3,260.80 | 7.250% | No | No | Self-Employed | US Citizen | $4,776.56 | 1 | XXXX | $1,470.96 | XXXX | $122.58 | 45.645% | 45.645% | 45.645% | XXXX | 749 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | XXXX | $15,835.00 | 6.160% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | $1,506.55 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50321433 | N/A | No | No | XXXX | 7.475% | $482.46 | $482.46 | 7.500% | No | No | US Citizen | 1 | XXXX | $2,260.44 | XXXX | $188.37 | 0.000% | 0.000% | 0.000% | XXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.220% | $0.00 | 4.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.56 | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53870822 | Non QM | Yes | No | XXXX | XXXX | 9.586% | $3,127.38 | $3,127.38 | 9.375% | No | No | Employed | US Citizen | $20,537.05 | 1 | XXXX | $4,053.48 | XXXX | $337.79 | 26.408% | 26.408% | 26.408% | XXXX | 634 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Year End Summary - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $6,090.24 | 6.220% | $0.00 | 1.0 | None | Yes | No | 9.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $194,596.42 | 41.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.45 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52581262 | N/A | No | No | XXXX | XXXX | 6.772% | $1,964.47 | $1,964.47 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $13,967.94 | 1 | XXXX | $1,793.64 | XXXX | $149.47 | 33.141% | 33.141% | 33.141% | XXXX | 747 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $4,986.11 | 6.220% | $0.00 | 1.6 | None | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | XXXX | $0.00 | No | 34 | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.32 | No | No | $0.00 | $5,013.07 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59468767 | Non QM | Yes | No | XXXX | XXXX | 7.901% | $2,005.95 | $2,005.95 | 7.750% | No | No | Employed | US Citizen | $12,520.66 | 1 | XXXX | $2,525.04 | XXXX | $210.42 | 22.473% | 22.473% | 22.473% | XXXX | 683 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; Year End Summary - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,490.00 | 6.220% | $0.00 | None | No | No | 7.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $167,298.05 | 47.790% | No | 32 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52821988 | Non QM | Yes | No | XXXX | XXXX | 8.139% | $15,367.84 | $15,367.84 | 8.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $26,458.22 | 1 | XXXX | $8,766.96 | XXXX | $730.58 | 52.362% | 52.362% | 52.362% | XXXX | 768 | No | No | [Borrower - | Primary Income - C-Corp]; Other - 2025 [Borrower - | Primary Income - C-Corp]; Paystubs - 2025 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; Other - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $3,026.27 | 6.220% | $10,000.00 | 1.0 | None | No | No | 8.125% | 1 | 2 | 1 | 0 | 3 | 1 | No | XXXX | $410,688.18 | 16.860% | No | 35 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.45 | No | No | $0.00 | $26,861.83 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58488102 | Non QM | Yes | No | XXXX | XXXX | 7.806% | $4,292.74 | $4,292.74 | 7.750% | Yes | Yes | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $66,521.97 | 1 | XXXX | $7,782.00 | XXXX | $648.50 | 25.183% | 25.183% | 25.183% | XXXX | 769 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $1,640.00 | 6.220% | $12,500.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | XXXX | $13,570,894.10 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 151.93 | No | No | $51,322.97 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51460128 | Non QM | Yes | No | XXXX | XXXX | 6.638% | $4,848.19 | $6,673.25 | 6.500% | No | No | Employed | US Citizen | $9,868.51 | 1 | XXXX | $2,012.04 | XXXX | $167.67 | 48.898% | 39.448% | 48.898% | XXXX | 796 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $9,892.74 | 6.220% | $1,265.00 | 1.2 | None | Yes | No | 6.500% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | 240 | XXXX | $2,099,509.09 | 100.000% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 158.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56525130 | Non QM | Yes | No | XXXX | XXXX | 6.511% | $12,641.36 | $12,641.36 | 6.500% | No | No | Employed | US Citizen | $48,400.83 | 1 | XXXX | $18,701.04 | XXXX | $1,558.42 | 25.807% | 25.807% | 25.807% | XXXX | 755 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,395.00 | 6.220% | $0.00 | 3.8 | None | No | No | 6.500% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | XXXX | $129,050.78 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54522990 | Non QM | Yes | No | XXXX | XXXX | 8.640% | $2,243.73 | $2,243.73 | 8.375% | No | No | Employed | US Citizen | $6,491.24 | 1 | XXXX | $1,694.28 | XXXX | $141.19 | 41.622% | 41.622% | 41.622% | XXXX | 738 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $4,592.00 | 6.220% | $6,500.00 | 1.6 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $115,146.61 | 35.100% | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 27.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57065233 | N/A | No | No | XXXX | XXXX | 8.877% | $11,533.70 | $11,533.70 | 8.500% | No | No | Self-Employed | Non-Permanent Resident Alien | $99,907.90 | 1 | XXXX | $2,790.00 | XXXX | $232.50 | 15.835% | 15.835% | 15.835% | XXXX | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $48,989.00 | 6.060% | $0.00 | None | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53728401 | N/A | No | No | XXXX | 6.466% | $1,264.14 | $1,264.14 | 6.500% | No | No | US Citizen | 1 | XXXX | $539.04 | XXXX | $44.92 | 0.000% | 0.000% | 0.000% | XXXX | 666 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $10,000.05 | 6.060% | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 126.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53049964 | N/A | No | No | XXXX | 6.490% | $1,896.20 | $1,896.20 | 6.500% | No | No | US Citizen | 1 | XXXX | $504.00 | XXXX | $42.00 | 0.000% | 0.000% | 0.000% | XXXX | 678 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,000.00 | 6.170% | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXX | $293,490.80 | 73.370% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 16 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57190448 | N/A | No | No | XXXX | XXXX | 8.255% | $733.69 | $733.69 | 7.999% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $11,464.85 | 1 | XXXX | $1,907.76 | XXXX | $158.98 | 34.187% | 34.187% | 34.187% | XXXX | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $4,694.60 | 6.160% | $7,500.00 | 1.0 | None | Yes | No | 7.999% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | $141,913.11 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 101.78 | No | No | $17,420.41 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57634171 | Non QM | Yes | No | XXXX | XXXX | 7.226% | $2,693.13 | $2,693.13 | 6.874% | No | No | Self-Employed | Permanent Resident Alien | $6,647.40 | 1 | XXXX | $1,602.96 | XXXX | $133.58 | 41.992% | 41.992% | 41.992% | XXXX | 724 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Personal - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | XXXX | $8,435.00 | 6.220% | $0.00 | None | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXX | $259,297.44 | 49.860% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 32.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56142450 | N/A | No | No | XXXX | 7.090% | $682.14 | $682.14 | 7.125% | No | No | US Citizen | 1 | XXXX | $1,332.96 | XXXX | $111.08 | 0.000% | 0.000% | 0.000% | XXXX | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.220% | $0.00 | 1.2 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57341795 | N/A | No | No | XXXX | 7.246% | $900.47 | $900.47 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,149.96 | XXXX | $95.83 | 0.000% | 0.000% | 0.000% | XXXX | 692 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $6,600.00 | 6.190% | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 27.84 | No | $0.00 | $0.00 | No | No | No | No | 13 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56299417 | Non QM | Yes | No | XXXX | XXXX | 6.732% | $1,954.55 | $1,954.55 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $3,336.57 | 1 | XXXX | $2,258.16 | XXXX | $188.18 | 46.461% | 46.461% | 46.461% | XXXX | 807 | Yes | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $1,820.00 | 6.270% | $0.00 | 1.6 | None | Yes | No | 6.625% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | XXXX | $442,980.72 | 79.810% | No | 35 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.03 | No | $722.13 | $3,299.17 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51572883 | Non QM | Yes | No | XXXX | XXXX | 9.887% | $22,142.89 | $22,142.89 | 9.875% | No | No | Self-Employed | US Citizen | $119,921.24 | 1 | XXXX | $18,570.00 | XXXX | $1,547.50 | 31.096% | 31.096% | 31.096% | XXXX | 665 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,670.00 | 6.270% | $0.00 | 2.8 | None | No | No | 9.875% | 2 | 2 | 0 | 2 | 2 | 11.10 | No | XXXX | $50,000.00 | 1.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.95 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50638039 | N/A | No | No | XXXX | 8.601% | $524.96 | $524.96 | 8.624% | No | No | US Citizen | 1 | XXXX | $1,145.04 | XXXX | $95.42 | 0.000% | 0.000% | 0.000% | XXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.270% | $0.00 | 2.3 | Yes | No | 8.624% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | XXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54563804 | N/A | No | No | XXXX | 7.447% | $1,185.17 | $1,185.17 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,943.64 | XXXX | $161.97 | 0.000% | 0.000% | 0.000% | XXXX | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,085.00 | 6.270% | $0.00 | 3.4 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXX | $4,070.05 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51087747 | Non QM | Yes | No | XXXX | XXXX | 6.414% | $4,398.28 | $4,398.28 | 6.375% | No | No | Self-Employed | US Citizen | $8,533.10 | 1 | XXXX | $5,036.16 | XXXX | $419.68 | 46.162% | 46.162% | 46.162% | XXXX | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,522.00 | 6.270% | $0.00 | 5.0 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53289850 | Non QM | Yes | No | XXXX | XXXX | 6.299% | $1,335.50 | $1,335.50 | 6.000% | No | No | Non-Employment Income | US Citizen | $11,699.42 | 1 | XXXX | $1,124.04 | XXXX | $93.67 | 37.556% | 37.556% | 37.556% | XXXX | 777 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $2,145.00 | 6.270% | $0.00 | 1.0 | None | Yes | No | 6.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | XXXX | $2,538,013.32 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1137.4 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56899252 | N/A | No | No | XXXX | 7.475% | $587.34 | $587.34 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,349.04 | XXXX | $112.42 | 0.000% | 0.000% | 0.000% | XXXX | 698 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,520.00 | 6.170% | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.82 | 0.55 | XXXX | $54,168.11 | 51.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54234704 | Non QM | Yes | No | XXXX | XXXX | 6.499% | $2,018.32 | $2,018.32 | 5.990% | No | No | Self-Employed | US Citizen | $2,980.00 | 1 | XXXX | $1,828.56 | XXXX | $152.38 | 45.949% | 45.949% | 45.949% | XXXX | 782 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $15,933.75 | 6.270% | $0.00 | 1.0 | None | Yes | No | 5.990% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 120.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50156983 | Non QM | Yes | No | XXXX | XXXX | 7.435% | $2,401.59 | $2,401.59 | 7.374% | No | No | Self-Employed | US Citizen | $20,808.96 | 1 | XXXX | $1,904.04 | XXXX | $158.67 | 22.930% | 22.930% | 22.930% | XXXX | 701 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,750.00 | 6.270% | $0.00 | 2.6 | None | Yes | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $585.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56871199 | N/A | No | No | XXXX | XXXX | 8.729% | $715.90 | $715.90 | 8.750% | No | No | US Citizen | 1 | XXXX | $1,055.04 | XXXX | $87.92 | 0.000% | 0.000% | 0.000% | XXXX | 641 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,820.00 | 6.270% | $0.00 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 82.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59181915 | N/A | No | No | XXXX | 7.373% | $328.76 | $328.76 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,890.96 | XXXX | $157.58 | 0.000% | 0.000% | 0.000% | XXXX | 661 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXX | $476.00 | 6.320% | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.12 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58817630 | Non QM | Yes | No | XXXX | XXXX | 8.409% | $5,720.80 | $5,720.80 | 7.875% | No | No | Self-Employed | US Citizen | $8,387.56 | 1 | XXXX | $2,106.48 | XXXX | $175.54 | 49.967% | 49.967% | 49.967% | XXXX | 817 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $37,400.18 | 6.270% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $70,510.55 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50620409 | N/A | No | No | XXXX | 6.843% | $2,627.72 | $2,627.72 | 6.875% | No | No | US Citizen | 2 | XXXX | $6,654.00 | XXXX | $554.50 | 0.000% | 0.000% | 0.000% | XXXX | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.250% | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 41.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59454473 | N/A | No | No | XXXX | XXXX | 7.197% | $1,724.44 | $1,724.44 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $7,455.54 | 1 | XXXX | $536.04 | XXXX | $44.67 | 47.819% | 47.819% | 47.819% | XXXX | 742 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $7,657.50 | 6.270% | $0.00 | None | N/A | No | 6.875% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $125,409.36 | 35.830% | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.64 | No | No | $0.00 | $6,997.50 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58046732 | N/A | No | No | XXXX | 7.437% | $727.18 | $727.18 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,167.96 | XXXX | $97.33 | 0.000% | 0.000% | 0.000% | XXXX | 698 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,120.00 | 5.990% | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | XXXX | $69,828.18 | 53.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50856048 | N/A | No | No | XXXX | 7.334% | $1,381.35 | $1,381.35 | 7.375% | No | No | US Citizen | 1 | XXXX | $792.00 | XXXX | $66.00 | 0.000% | 0.000% | 0.000% | XXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.270% | $0.00 | 1.3 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56750784 | Non QM | Yes | No | XXXX | XXXX | 6.366% | $1,019.24 | $1,019.24 | 6.000% | No | No | Employed | US Citizen | $2,517.19 | 1 | XXXX | $0.00 | XXXX | $0.00 | 45.635% | 45.635% | 45.635% | XXXX | 764 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $5,709.60 | 6.270% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $403,182.64 | 78.280% | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59582011 | Non QM | Yes | No | XXXX | XXXX | 7.482% | $3,885.05 | $3,885.05 | 7.375% | No | No | Self-Employed | US Citizen | $33,243.91 | 1 | XXXX | $2,007.00 | XXXX | $167.25 | 13.672% | 13.672% | 13.672% | XXXX | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $3,615.00 | 6.250% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $65,836.39 | 10.530% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50065122 | Non QM | Yes | No | XXXX | XXXX | 6.655% | $5,239.02 | $5,239.02 | 6.625% | No | No | Employed | US Citizen | $9,724.01 | 1 | XXXX | $3,160.32 | XXXX | $263.36 | 42.659% | 42.659% | 42.659% | XXXX | 770 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $2,020.00 | 6.190% | $0.00 | 1.9 | None | No | No | 6.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $53,442.74 | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59833128 | Non QM | Yes | No | XXXX | XXXX | 7.387% | $8,585.73 | $11,147.60 | 7.375% | No | No | Self-Employed | US Citizen | $26,546.29 | 1 | XXXX | $3,830.04 | XXXX | $319.17 | 43.567% | 38.120% | 43.567% | XXXX | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,920.00 | 6.250% | $0.00 | 2.8 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | XXXX | $25,353.12 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56631200 | N/A | No | No | XXXX | XXXX | 8.240% | $3,005.07 | $3,005.07 | 8.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $19,645.00 | 1 | XXXX | $900.96 | XXXX | $75.08 | 45.142% | 45.142% | 45.142% | XXXX | 710 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | 6.270% | $10,000.00 | 1.4 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $147,511.94 | 29.500% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 51.72 | No | No | $17,905.29 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59330560 | N/A | No | No | XXXX | 6.345% | $1,020.03 | $1,020.03 | 6.375% | No | No | US Citizen | 1 | XXXX | $1,019.04 | XXXX | $84.92 | 0.000% | 0.000% | 0.000% | XXXX | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,635.00 | 6.060% | $0.00 | 1.6 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51810776 | Non QM | Yes | No | XXXX | XXXX | 7.158% | $1,470.99 | $1,470.99 | 6.875% | No | No | Self-Employed | US Citizen | $2,333.73 | 1 | XXXX | $1,452.12 | XXXX | $121.01 | 46.491% | 46.491% | 46.491% | XXXX | 798 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $5,289.90 | 6.270% | $5,598.00 | 3.4 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXX | $2,799.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 46.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50148086 | N/A | No | No | XXXX | 5.977% | $1,498.72 | $1,498.72 | 5.999% | No | No | US Citizen | 1 | XXXX | $1,422.96 | XXXX | $118.58 | 0.000% | 0.000% | 0.000% | XXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,999.00 | 5.980% | $0.00 | 1.0 | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXX | $339,943.49 | 67.980% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.99 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53418881 | Non QM | Yes | No | XXXX | XXXX | 7.357% | $3,560.96 | $3,560.96 | 7.250% | No | No | Self-Employed | US Citizen | $21,059.11 | 1 | XXXX | $3,253.44 | XXXX | $271.12 | 18.371% | 18.371% | 18.371% | XXXX | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $17,752.84 | 6.270% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $156,138.69 | 17.940% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53852482 | Non QM | Yes | No | XXXX | XXXX | 6.918% | $2,836.58 | $2,836.58 | 6.625% | No | No | Self-Employed | US Citizen | $15,808.01 | 1 | XXXX | $2,619.96 | XXXX | $218.33 | 43.765% | 43.765% | 43.765% | XXXX | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $12,182.50 | 6.170% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $52,631.63 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.8 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52973450 | Non QM | Yes | No | XXXX | XXXX | 10.352% | $2,633.15 | $2,633.15 | 10.000% | No | No | Self-Employed | US Citizen | $31,244.07 | 1 | XXXX | $2,172.96 | XXXX | $181.08 | 13.385% | 13.385% | 13.385% | XXXX | 652 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,241.02 | 6.270% | $0.00 | 1.0 | None | Yes | No | 10.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $4,000.00 | 1.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52243024 | Non QM | Yes | No | XXXX | XXXX | 6.236% | $2,068.45 | $2,068.45 | 6.000% | No | No | Employed | US Citizen | $5,919.70 | 1 | XXXX | $476.04 | XXXX | $39.67 | 36.870% | 36.870% | 36.870% | XXXX | 772 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $7,095.00 | 6.250% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.000% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $351,189.76 | 54.440% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53445272 | Non QM | Yes | No | XXXX | XXXX | 7.736% | $3,732.39 | $3,732.39 | 7.458% | No | No | Self-Employed | US Citizen | $9,336.61 | 1 | XXXX | $1,344.24 | XXXX | $112.02 | 33.365% | 33.365% | 33.365% | XXXX | 701 | No | Yes | 12 | Business | 80.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $13,210.00 | 6.250% | $0.00 | 1.0 | None | Yes | No | 7.458% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55117594 | Non QM | Yes | No | XXXX | XXXX | 7.661% | $4,892.71 | $6,262.05 | 7.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $11,332.02 | 1 | XXXX | $2,391.96 | XXXX | $199.33 | 41.899% | 34.878% | 41.899% | XXXX | 749 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,045.00 | 6.250% | $0.00 | 2.6 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | XXXX | $38,251.38 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.69 | No | $9,752.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53368826 | N/A | No | No | XXXX | 7.864% | $598.18 | $598.18 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,252.68 | XXXX | $104.39 | 0.000% | 0.000% | 0.000% | XXXX | 817 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.250% | $0.00 | 1.1 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 88.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54654012 | Non QM | Yes | No | XXXX | XXXX | 7.737% | $1,989.09 | $1,989.09 | 7.500% | No | No | Self-Employed | US Citizen | $4,939.96 | 1 | XXXX | $3,018.00 | XXXX | $251.50 | 43.357% | 43.357% | 43.357% | XXXX | 669 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $6,119.12 | 6.250% | $0.00 | 3.1 | None | No | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54657784 | Non QM | Yes | No | XXXX | XXXX | 9.231% | $1,207.13 | $1,207.13 | 8.625% | No | No | Self-Employed | US Citizen | $8,956.69 | 1 | XXXX | $2,315.64 | XXXX | $192.97 | 19.667% | 19.667% | 19.667% | XXXX | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $6,014.68 | 6.270% | $0.00 | 3.7 | None | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59460524 | N/A | No | No | XXXX | 7.848% | $1,156.12 | $1,156.12 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,051.44 | XXXX | $87.62 | 0.000% | 0.000% | 0.000% | XXXX | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.8 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXX | $34,879.12 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51268728 | Non QM | Yes | No | XXXX | XXXX | 7.691% | $2,293.25 | $2,293.25 | 7.625% | No | No | Self-Employed | US Citizen | $15,118.19 | 1 | XXXX | $1,387.44 | XXXX | $115.62 | 27.401% | 27.401% | 27.401% | XXXX | 637 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,495.00 | 6.270% | $722.52 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $4,000.04 | 0.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.49 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55393831 | N/A | No | No | XXXX | 6.770% | $5,967.10 | $5,967.10 | 6.750% | No | No | US Citizen | 1 | XXXX | $3,210.96 | XXXX | $267.58 | 0.000% | 0.000% | 0.000% | XXXX | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $46,000.00 | 6.250% | $0.00 | 3.1 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | XXXX | $74,657.37 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59211084 | Non QM | Yes | No | XXXX | XXXX | 6.377% | $929.69 | $1,291.91 | 6.375% | No | No | Self-Employed | US Citizen | $2,939.91 | 1 | XXXX | $843.96 | XXXX | $70.33 | 47.605% | 41.149% | 47.605% | XXXX | 686 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $2,639.53 | 6.260% | $8,000.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 240 | XXXX | $280,685.09 | 79.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 59.25 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56491272 | N/A | No | No | XXXX | 8.578% | $435.56 | $435.56 | 8.625% | No | No | US Citizen | 1 | XXXX | $1,269.96 | XXXX | $105.83 | 0.000% | 0.000% | 0.000% | XXXX | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.2 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.56 | XXXX | $109,626.45 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 130.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57532368 | Non QM | Yes | No | XXXX | XXXX | 6.081% | $3,207.25 | $3,207.25 | 5.999% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,251.81 | 1 | XXXX | $2,411.28 | XXXX | $200.94 | 44.299% | 44.299% | 44.299% | XXXX | 798 | No | Yes | 24 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $12,156.70 | 6.270% | $17,800.00 | 1.0 | None | No | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $481,230.27 | 43.740% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 103.48 | No | $2,659.29 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50801703 | Non QM | Yes | No | XXXX | XXXX | 10.212% | $9,933.91 | $9,933.91 | 9.875% | No | No | Self-Employed | US Citizen | $111,824.72 | 1 | XXXX | $3,138.00 | XXXX | $261.50 | 23.276% | 23.276% | 23.276% | XXXX | 648 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $31,451.72 | 6.250% | $0.00 | None | N/A | No | 9.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $129,668.88 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.69 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59756378 | N/A | No | No | XXXX | XXXX | 7.909% | $5,945.57 | $5,945.57 | 7.875% | No | No | Employed | US Citizen | $36,835.11 | 1 | XXXX | $1,214.04 | XXXX | $101.17 | 28.729% | 28.729% | 28.729% | XXXX | 775 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $2,045.00 | 6.250% | $0.00 | DU | ApproveEligible | Yes | No | 7.875% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXX | $891,815.81 | 87.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 87.54 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59272494 | Non QM | Yes | No | XXXX | XXXX | 8.093% | $1,153.42 | $1,153.42 | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,110.00 | 1 | XXXX | $2,316.00 | XXXX | $193.00 | 47.095% | 47.095% | 47.095% | XXXX | 675 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,409.41 | 6.190% | $0.00 | 1.6 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $60,355.93 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.88 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55397514 | N/A | No | No | XXXX | 6.593% | $1,055.23 | $1,055.23 | 6.625% | No | No | US Citizen | 2 | XXXX | $2,421.00 | XXXX | $201.75 | 0.000% | 0.000% | 0.000% | XXXX | 816 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,648.00 | 6.250% | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.99 | 0.5 | XXXX | $182,969.59 | 88.820% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 92.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54847380 | N/A | No | No | XXXX | 5.981% | $998.25 | $998.25 | 6.000% | No | No | US Citizen | 1 | XXXX | $1,158.60 | XXXX | $96.55 | 0.000% | 0.000% | 0.000% | XXXX | 682 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,660.00 | 6.170% | $0.00 | 1.0 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57302407 | N/A | No | No | XXXX | 8.223% | $1,033.74 | $1,033.74 | 8.250% | No | No | US Citizen | 3 | XXXX | $2,478.00 | XXXX | $206.50 | 0.000% | 0.000% | 0.000% | XXXX | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.250% | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | XXXX | $54,237.36 | 31.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51344078 | N/A | No | No | XXXX | 6.588% | $676.17 | $676.17 | 6.625% | No | No | US Citizen | 1 | XXXX | $1,330.44 | XXXX | $110.87 | 0.000% | 0.000% | 0.000% | XXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,168.00 | 5.980% | $0.00 | 1.4 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXX | $63,793.05 | 48.320% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56034039 | N/A | No | No | XXXX | 8.953% | $814.68 | $814.68 | 9.000% | No | No | US Citizen | 1 | XXXX | $1,787.52 | XXXX | $148.96 | 0.000% | 0.000% | 0.000% | XXXX | 648 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | 1.8 | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | $65,905.75 | 48.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59921535 | N/A | No | No | XXXX | 5.971% | $446.07 | $446.07 | 6.000% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $542.40 | XXXX | $45.20 | 0.000% | 0.000% | 0.000% | XXXX | 755 | 761 | 749 | 785 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,232.00 | 6.250% | $0.00 | 1.0 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.76 | 0.57 | XXXX | $118,123.92 | 46.870% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 330.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56513129 | Non QM | Yes | No | XXXX | XXXX | 8.563% | $3,413.98 | $3,413.98 | 8.500% | No | No | Self-Employed | US Citizen | $6,222.89 | 1 | XXXX | $2,837.04 | XXXX | $236.42 | 49.334% | 49.334% | 49.334% | XXXX | 667 | No | Yes | 12 | Business | 35.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,640.00 | 6.180% | $0.00 | 2.2 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | No | XXXX | $72,072.57 | 12.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54951452 | Non QM | Yes | No | XXXX | 7.605% | $5,851.09 | $5,851.09 | 7.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $13,354.05 | 1 | XXXX | $6,715.68 | XXXX | $559.64 | 49.969% | 49.969% | 49.969% | XXXX | 632 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | 6.060% | $56,878.76 | 3.7 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $263,296.86 | 24.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.6 | No | No | $13,345.82 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59825550 | N/A | No | No | XXXX | XXXX | 7.844% | $812.84 | $812.84 | 7.500% | No | No | US Citizen | US Citizen | 1 | XXXX | $828.00 | XXXX | $69.00 | 0.000% | 0.000% | 0.000% | XXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,809.06 | 6.180% | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXX | $211,606.69 | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 163.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 13 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58518320 | Non QM | Yes | No | XXXX | XXXX | 8.398% | $7,980.76 | $7,980.76 | 8.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $46,634.21 | 1 | XXXX | $2,208.00 | XXXX | $184.00 | 36.376% | 36.376% | 36.376% | XXXX | 645 | No | Yes | 24 | Business | 100.000% | 25.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,640.00 | 6.180% | $0.00 | 1.0 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $534,449.48 | 38.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.58 | No | No | $12,873.66 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50335061 | Non QM | Yes | No | XXXX | XXXX | 8.611% | $2,157.92 | $2,157.92 | 8.525% | No | No | Self-Employed | US Citizen | $25,906.26 | 1 | XXXX | $515.04 | XXXX | $42.92 | 17.687% | 17.687% | 17.687% | XXXX | 631 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $6,111.69 | 6.180% | $0.00 | 1.6 | None | N/A | No | 8.525% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55782465 | Non QM | Yes | No | XXXX | XXXX | 9.914% | $6,017.66 | $6,017.66 | 9.875% | No | No | Self-Employed | US Citizen | $32,699.77 | 1 | XXXX | $580.80 | XXXX | $48.40 | 37.547% | 37.547% | 37.547% | XXXX | 780 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $18,870.00 | 6.180% | $0.00 | 3.0 | None | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $59,771.54 | 7.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.51 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53078645 | N/A | No | No | XXXX | 6.836% | $1,665.31 | $1,665.31 | 6.875% | No | No | US Citizen | 4 | XXXX | $3,468.96 | XXXX | $289.08 | 0.000% | 0.000% | 0.000% | XXXX | 700 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,605.00 | 6.180% | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.62 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55432636 | N/A | No | No | XXXX | 6.595% | $609.90 | $609.90 | 6.625% | No | No | US Citizen | 2 | XXXX | $3,089.04 | XXXX | $257.42 | 0.000% | 0.000% | 0.000% | XXXX | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,857.50 | 6.100% | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.6 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 80.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53032380 | Non QM | Yes | No | XXXX | XXXX | 6.676% | $15,367.46 | $15,367.46 | 6.625% | No | No | Self-Employed | US Citizen | $36,964.21 | 1 | XXXX | $7,508.88 | XXXX | $625.74 | 47.229% | 47.229% | 47.229% | XXXX | 708 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $25,255.00 | 6.260% | $32,500.00 | 4.1 | None | No | No | 6.625% | 0 | 1 | 0 | 1 | 1 | No | XXXX | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.9 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58768359 | N/A | No | No | XXXX | 7.479% | $489.45 | $489.45 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,548.12 | XXXX | $129.01 | 0.000% | 0.000% | 0.000% | XXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.180% | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXX | $469,844.70 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 600.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58714011 | N/A | No | No | XXXX | 7.575% | $849.35 | $849.35 | 7.625% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 3 | XXXX | $1,556.04 | XXXX | $129.67 | 0.000% | 0.000% | 0.000% | XXXX | 757 | 787 | 780 | 796 | 778 | 792 | 788 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.180% | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.53 | XXXX | $139,864.20 | 90.820% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 86.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59603226 | Non QM | Yes | No | XXXX | XXXX | 6.150% | $3,807.15 | $3,807.15 | 6.000% | No | No | Self-Employed | Permanent Resident Alien | $31,093.03 | 1 | XXXX | $1,929.00 | XXXX | $160.75 | 36.743% | 36.743% | 36.743% | XXXX | 744 | No | Yes | 12 | Business | 100.000% | 45.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $16,772.05 | 6.180% | $167,712.00 | 1.0 | None | No | No | 6.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $392,708.41 | 43.240% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 48.29 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51030921 | N/A | No | No | XXXX | XXXX | 6.443% | $3,126.16 | $3,126.16 | 6.125% | No | No | Self-Employed | Self-Employed | Employed | 4.31 | US Citizen | US Citizen | US Citizen | $26,090.86 | 1 | XXXX | $3,078.00 | XXXX | $256.50 | 19.621% | 19.621% | 19.621% | XXXX | 778 | 784 | 804 | 780 | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $16,475.84 | 6.250% | $0.00 | None | N/A | No | 6.125% | 0 | 0 | 2 | 0 | 3 | 2 | 10.97 | No | XXXX | $429,090.96 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.27 | No | No | ($646.39) | $10,465.02 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58376017 | Non QM | Yes | No | XXXX | XXXX | 6.247% | $5,541.45 | $5,541.45 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $32,415.69 | 1 | XXXX | $4,662.96 | XXXX | $388.58 | 20.825% | 20.825% | 20.825% | XXXX | 745 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,690.00 | 6.180% | $0.00 | 2.6 | None | Yes | No | 6.250% | 2 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $988,872.37 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.08 | No | $0.00 | $23,383.36 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51041240 | N/A | No | No | XXXX | 6.866% | $541.97 | $541.97 | 6.875% | No | No | US Citizen | 1 | XXXX | $943.92 | XXXX | $78.66 | 0.000% | 0.000% | 0.000% | XXXX | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,650.00 | 6.180% | $0.00 | 3.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53166313 | N/A | No | No | XXXX | 6.834% | $656.93 | $656.93 | 6.875% | No | No | US Citizen | 2 | XXXX | $792.96 | XXXX | $66.08 | 0.000% | 0.000% | 0.000% | XXXX | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,000.00 | 5.990% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.24 | 0.45 | XXXX | $358,519.57 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 385.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54024522 | N/A | No | No | XXXX | 7.349% | $441.99 | $441.99 | 7.374% | No | No | US Citizen | 1 | XXXX | $933.60 | XXXX | $77.80 | 0.000% | 0.000% | 0.000% | XXXX | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.180% | $0.00 | 1.0 | Yes | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | XXXX | $65,991.37 | 82.480% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55610965 | Non QM | Yes | No | XXXX | XXXX | 9.061% | $2,315.24 | $2,315.24 | 8.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Haiti | $11,517.26 | 1 | XXXX | $2,182.56 | XXXX | $181.88 | 18.973% | 18.973% | 18.973% | XXXX | 709 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $59.55 | 6.180% | $9,600.00 | None | N/A | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $3,200.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 6.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52349673 | N/A | No | No | XXXX | 9.846% | $621.74 | $621.74 | 9.875% | No | No | US Citizen | 1 | XXXX | $1,395.00 | XXXX | $116.25 | 0.000% | 0.000% | 0.000% | XXXX | 691 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.180% | $0.00 | 2.5 | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXX | $2,762.64 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51863376 | N/A | No | No | XXXX | 7.839% | $641.69 | $641.69 | 7.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,596.96 | XXXX | $133.08 | 0.000% | 0.000% | 0.000% | XXXX | 713 | 751 | 734 | 776 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.220% | $0.00 | 3.3 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 92.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52496706 | N/A | No | No | XXXX | 7.843% | $1,852.55 | $1,852.55 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,463.52 | XXXX | $121.96 | 0.000% | 0.000% | 0.000% | XXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,555.00 | 6.250% | $0.00 | 5.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXX | $134,131.84 | 36.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58008504 | N/A | No | No | XXXX | 5.953% | $1,612.62 | $1,612.62 | 5.999% | No | No | US Citizen | US Citizen | 4 | XXXX | $900.96 | XXXX | $75.08 | 0.000% | 0.000% | 0.000% | XXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,690.00 | 5.980% | $0.00 | No | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.99 | 0.5 | XXXX | $284,667.52 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 117.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 11 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52088674 | N/A | No | No | XXXX | 5.953% | $809.31 | $809.31 | 5.999% | No | No | US Citizen | US Citizen | 2 | XXXX | $870.00 | XXXX | $72.50 | 0.000% | 0.000% | 0.000% | XXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,350.00 | 5.980% | $0.00 | No | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.5 | 0.4 | XXXX | $284,667.52 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 222.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57207325 | Non QM | Yes | No | XXXX | XXXX | 6.422% | $4,554.04 | $4,554.04 | 6.125% | No | No | Self-Employed | US Citizen | $15,674.02 | 1 | XXXX | $8,835.00 | XXXX | $736.25 | 49.879% | 49.879% | 49.879% | XXXX | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $21,817.42 | 6.250% | $0.00 | 2.4 | None | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.3 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56781460 | N/A | No | No | XXXX | 5.953% | $1,243.93 | $1,243.93 | 5.999% | No | No | US Citizen | US Citizen | 2 | XXXX | $667.20 | XXXX | $55.60 | 0.000% | 0.000% | 0.000% | XXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,075.00 | 5.980% | $0.00 | No | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.01 | 0.5 | XXXX | $284,667.52 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 268.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53411458 | N/A | No | No | XXXX | 5.965% | $719.46 | $719.46 | 6.000% | No | No | US Citizen | 2 | XXXX | $1,488.00 | XXXX | $124.00 | 0.000% | 0.000% | 0.000% | XXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,200.00 | 6.180% | $0.00 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.26 | 0.44 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56134717 | N/A | No | No | XXXX | 7.228% | $1,094.89 | $1,094.89 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,518.72 | XXXX | $126.56 | 0.000% | 0.000% | 0.000% | XXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.180% | $0.00 | 1.3 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58646723 | Non QM | Yes | No | XXXX | XXXX | 7.658% | $3,915.60 | $3,915.60 | 7.500% | No | No | Self-Employed | US Citizen | $11,974.51 | 1 | XXXX | $1,661.04 | XXXX | $138.42 | 39.649% | 39.649% | 39.649% | XXXX | 672 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 1 | 0 | 0 | XXXX | $7,800.00 | 6.170% | $0.00 | 3.4 | None | No | No | 7.500% | 0 | 2 | 0 | 2 | 2 | 10.00 | No | XXXX | $31,222.75 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.83 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59709627 | Non QM | Yes | No | XXXX | XXXX | 7.205% | $1,646.62 | $1,646.62 | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $15,682.95 | 1 | XXXX | $1,737.84 | XXXX | $144.82 | 31.771% | 31.771% | 31.771% | XXXX | 734 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,045.00 | 6.170% | $0.00 | 2.8 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $216,401.30 | 65.570% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 94.26 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58009067 | N/A | No | No | XXXX | XXXX | 7.678% | $2,936.70 | $2,936.70 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | $273,662.00 | 1 | XXXX | $2,985.00 | XXXX | $248.75 | 2.312% | 2.312% | 2.312% | XXXX | 813 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $27,016.00 | 6.170% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 1 | 12 | 0.00 | No | XXXX | $168,178.67 | 32.030% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.46 | Yes | No | $280,138.11 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54723680 | N/A | No | No | XXXX | 7.494% | $734.18 | $734.18 | 7.500% | No | No | 0 | US Citizen | US Citizen | 2 | XXXX | $960.96 | XXXX | $80.08 | 0.000% | 0.000% | 0.000% | XXXX | 680 | 683 | 652 | 680 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51677870 | N/A | No | No | XXXX | 6.423% | $563.98 | $563.98 | 6.375% | No | No | US Citizen | 1 | XXXX | $657.00 | XXXX | $54.75 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $904.00 | 6.170% | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.59 | XXXX | $19,261.42 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56312186 | N/A | No | No | XXXX | 7.113% | $458.13 | $458.13 | 7.125% | No | No | US Citizen | 2 | XXXX | $2,681.04 | XXXX | $223.42 | 0.000% | 0.000% | 0.000% | XXXX | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXX | $222,039.04 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 233.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57907635 | N/A | No | No | XXXX | 7.218% | $757.22 | $757.22 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,061.04 | XXXX | $88.42 | 0.000% | 0.000% | 0.000% | XXXX | 685 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,110.00 | 6.170% | $0.00 | 1.9 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 104.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52757627 | N/A | No | No | XXXX | XXXX | 6.837% | $2,545.34 | $2,545.34 | 6.490% | No | No | Self-Employed | US Citizen | $2,261.03 | 1 | XXXX | $1,547.28 | XXXX | $128.94 | 49.285% | 49.285% | 49.285% | XXXX | 774 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $33,634.44 | 6.170% | $21,177.70 | None | N/A | No | 6.490% | 0 | 1 | 0 | 2 | 0 | 10.97 | No | XXXX | $168,658.63 | 33.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.14 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56863747 | N/A | No | No | XXXX | XXXX | 8.008% | $2,123.38 | $2,123.38 | 7.625% | No | No | Self-Employed | Permanent Resident Alien | $32,406.61 | 1 | XXXX | $2,268.96 | XXXX | $189.08 | 13.572% | 13.572% | 13.572% | XXXX | 709 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $10,232.00 | 6.170% | $0.00 | 2.1 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $152,018.47 | 36.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 14.95 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58906524 | Non QM | Yes | No | XXXX | XXXX | 8.989% | $2,277.50 | $2,277.50 | 8.750% | No | No | Self-Employed | US Citizen | $58,492.71 | 1 | XXXX | $3,906.48 | XXXX | $325.54 | 6.039% | 6.039% | 6.039% | XXXX | 650 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $11,003.26 | 6.170% | $0.00 | 1.0 | None | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52720263 | N/A | No | No | XXXX | XXXX | 7.291% | $648.60 | $648.60 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,113.00 | XXXX | $92.75 | 0.000% | 0.000% | 0.000% | XXXX | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,569.00 | 6.170% | $0.00 | 1.2 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.96 | 0.51 | XXXX | $26,978.89 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56385319 | N/A | No | No | XXXX | XXXX | 7.255% | $1,251.45 | $1,251.45 | 6.875% | No | No | US Citizen | 2 | XXXX | $1,359.00 | XXXX | $113.25 | 0.000% | 0.000% | 0.000% | XXXX | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $17,557.51 | 6.170% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 52.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55202215 | N/A | No | No | XXXX | 8.311% | $1,117.31 | $1,117.31 | 8.375% | No | No | US Citizen | 2 | XXXX | $2,200.32 | XXXX | $183.36 | 0.000% | 0.000% | 0.000% | XXXX | 680 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.62 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59919514 | N/A | No | No | XXXX | XXXX | 6.481% | $14,037.07 | $14,037.07 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $22,411.12 | 1 | XXXX | $15,702.96 | XXXX | $1,308.58 | 36.063% | 36.063% | 36.063% | XXXX | 681 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $136,280.00 | 6.170% | $0.00 | 1.2 | None | No | No | 6.375% | 0 | 0 | 2 | 0 | 3 | 0 | 12.00 | No | XXXX | $1,190,093.03 | 39.660% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 41.31 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53822089 | N/A | No | No | XXXX | 7.684% | $696.35 | $696.35 | 7.750% | No | No | US Citizen | 1 | XXXX | $1,992.36 | XXXX | $166.03 | 0.000% | 0.000% | 0.000% | XXXX | 685 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $400.00 | 1.2 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXX | $61,493.44 | 50.610% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54618118 | N/A | No | No | XXXX | 7.334% | $552.54 | $552.54 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,694.52 | XXXX | $141.21 | 0.000% | 0.000% | 0.000% | XXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | XXXX | $43,922.94 | 43.920% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52345116 | N/A | No | No | XXXX | 7.832% | $301.63 | $301.63 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,019.52 | XXXX | $84.96 | 0.000% | 0.000% | 0.000% | XXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,248.00 | 6.170% | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXX | $13,620.56 | 26.190% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 135.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54958508 | N/A | No | No | XXXX | 6.934% | $582.69 | $582.69 | 6.953% | No | No | Permanent Resident Alien | 1 | XXXX | $1,562.04 | XXXX | $130.17 | 0.000% | 0.000% | 0.000% | XXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | 2.6 | No | No | 6.953% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 108.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58777008 | N/A | No | No | XXXX | 6.208% | $1,200.65 | $1,200.65 | 6.250% | No | No | US Citizen | 1 | XXXX | $2,339.04 | XXXX | $194.92 | 0.000% | 0.000% | 0.000% | XXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,800.00 | 5.980% | $0.00 | 1.0 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 99.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53759003 | Non QM | Yes | No | XXXX | XXXX | 7.349% | $3,871.67 | $3,871.67 | 6.999% | No | No | Self-Employed | US Citizen | $8,739.75 | 1 | XXXX | $1,495.08 | XXXX | $124.59 | 38.772% | 38.772% | 38.772% | XXXX | 672 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $18,766.48 | 6.190% | $0.00 | 1.0 | None | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $4,693.41 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59663560 | N/A | No | No | XXXX | 7.850% | $1,885.18 | $1,885.18 | 7.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $809.04 | XXXX | $67.42 | 0.000% | 0.000% | 0.000% | XXXX | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,200.00 | 6.170% | $0.00 | 1.2 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXX | $262,322.69 | 57.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59717096 | N/A | No | No | XXXX | 7.187% | $964.36 | $964.36 | 7.205% | No | No | US Citizen | 2 | XXXX | $2,303.04 | XXXX | $191.92 | 0.000% | 0.000% | 0.000% | XXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | No | No | 7.205% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.65 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.18 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56120474 | N/A | No | No | XXXX | 6.615% | $1,728.66 | $1,728.66 | 6.624% | No | No | US Citizen | 1 | XXXX | $1,556.04 | XXXX | $129.67 | 0.000% | 0.000% | 0.000% | XXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | Yes | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 70.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58608939 | N/A | No | No | XXXX | XXXX | 7.831% | $2,506.19 | $2,506.19 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $6,298.61 | 1 | XXXX | $716.04 | XXXX | $59.67 | 49.855% | 49.855% | 49.855% | XXXX | 713 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $18,130.10 | 6.170% | $0.00 | 1.0 | None | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 4 | 2 | 0.00 | No | XXXX | $0.00 | No | 35 | 9 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 75.7 | No | No | $0.00 | $6,200.22 | No | No | No | No | 2 | 480 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55828676 | Non QM | Yes | No | XXXX | XXXX | 8.008% | $5,467.02 | $5,467.02 | 7.875% | No | No | Self-Employed | US Citizen | $11,763.04 | 1 | XXXX | $1,842.00 | XXXX | $153.50 | 36.656% | 36.656% | 36.656% | XXXX | 803 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $8,634.10 | 6.170% | $8,000.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXX | $531,592.02 | 40.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.49 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57878003 | N/A | No | No | XXXX | 7.115% | $480.02 | $480.02 | 7.125% | No | No | US Citizen | 1 | XXXX | $720.96 | XXXX | $60.08 | 0.000% | 0.000% | 0.000% | XXXX | 698 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | 1.5 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.76 | 0.57 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51273968 | N/A | No | No | XXXX | 6.947% | $441.76 | $441.76 | 7.000% | No | No | US Citizen | 1 | XXXX | $1,206.00 | XXXX | $100.50 | 0.000% | 0.000% | 0.000% | XXXX | 715 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | 2.4 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.53 | XXXX | $22,938.74 | 27.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57785784 | Non QM | Yes | No | XXXX | XXXX | 6.604% | $2,176.06 | $2,176.06 | 6.375% | No | No | Self-Employed | US Citizen | $17,630.33 | 1 | XXXX | $4,204.20 | XXXX | $350.35 | 16.611% | 16.611% | 16.611% | XXXX | 748 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,528.35 | 6.170% | $11,000.00 | 1.2 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $152,886.76 | 35.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56773394 | N/A | No | No | XXXX | 6.867% | $658.53 | $658.53 | 6.899% | No | No | US Citizen | 1 | XXXX | $843.96 | XXXX | $70.33 | 0.000% | 0.000% | 0.000% | XXXX | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | 2.2 | Yes | No | 6.899% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | XXXX | $126,340.14 | 99.480% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 111.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52149988 | N/A | No | No | XXXX | 6.994% | $415.15 | $415.15 | 7.000% | No | No | US Citizen | 1 | XXXX | $1,253.04 | XXXX | $104.42 | 0.000% | 0.000% | 0.000% | XXXX | 715 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | 3.4 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.97 | 0.51 | XXXX | $46,222.63 | 59.250% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50764593 | N/A | No | No | XXXX | 6.868% | $566.60 | $566.60 | 6.875% | No | No | US Citizen | 2 | XXXX | $1,606.68 | XXXX | $133.89 | 0.000% | 0.000% | 0.000% | XXXX | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $862.50 | 6.120% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.93 | 0.52 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54284531 | Non QM | Yes | No | XXXX | XXXX | 10.482% | $4,468.16 | $4,468.16 | 10.000% | No | No | Self-Employed | US Citizen | $13,163.50 | 1 | XXXX | $5,771.16 | XXXX | $480.93 | 40.298% | 40.298% | 40.298% | XXXX | 647 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $18,055.99 | 6.170% | $17,970.00 | None | N/A | No | 10.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $79,689.64 | 13.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55998701 | N/A | No | No | XXXX | 7.454% | $502.84 | $502.84 | 7.488% | No | No | US Citizen | 1 | XXXX | $1,438.56 | XXXX | $119.88 | 0.000% | 0.000% | 0.000% | XXXX | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | 1.0 | No | No | 7.488% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54622961 | N/A | No | No | XXXX | 8.085% | $898.42 | $898.42 | 8.125% | No | No | US Citizen | 1 | XXXX | $1,752.24 | XXXX | $146.02 | 0.000% | 0.000% | 0.000% | XXXX | 688 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $0.00 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55455734 | N/A | No | No | XXXX | 6.752% | $812.37 | $812.37 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,551.00 | XXXX | $129.25 | 0.000% | 0.000% | 0.000% | XXXX | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55497639 | N/A | No | No | XXXX | 6.230% | $1,561.46 | $1,561.46 | 6.250% | No | No | US Citizen | 4 | XXXX | $1,980.96 | XXXX | $165.08 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXX | $117,739.80 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 50.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53296651 | N/A | No | No | XXXX | 6.834% | $369.52 | $369.52 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,200.00 | XXXX | $100.00 | 0.000% | 0.000% | 0.000% | XXXX | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $562.50 | 6.170% | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.92 | 0.52 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56438859 | N/A | No | No | XXXX | 7.367% | $10,360.13 | $10,360.13 | 7.375% | No | No | US Citizen | 1 | XXXX | $2,709.96 | XXXX | $225.83 | 0.000% | 0.000% | 0.000% | XXXX | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $75,000.00 | 6.060% | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXX | $43,563.80 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54193530 | N/A | No | No | XXXX | XXXX | 7.814% | $746.82 | $746.82 | 7.875% | No | No | Self-Employed | US Citizen | $51,649.09 | 1 | XXXX | $1,980.96 | XXXX | $165.08 | 7.982% | 7.982% | 7.982% | XXXX | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2014 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | 6.170% | $2,000.00 | 2.6 | None | N/A | No | 7.875% | 0 | 0 | 0 | 5 | 0 | 12 | 0.00 | No | XXXX | $5,000.00 | 3.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58980631 | Non QM | Yes | No | XXXX | XXXX | 6.392% | $1,262.22 | $1,262.22 | 6.250% | No | No | Non-Employment Income | US Citizen | $3,522.08 | 1 | XXXX | $1,203.96 | XXXX | $100.33 | 47.398% | 47.398% | 47.398% | XXXX | 751 | Yes | No | [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $2,410.00 | 6.260% | $0.00 | 2.1 | None | N/A | No | 6.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | XXXX | $1,216,268.49 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 401.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58355781 | N/A | No | No | XXXX | 6.730% | $326.89 | $326.89 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,479.00 | XXXX | $123.25 | 0.000% | 0.000% | 0.000% | XXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $3,000.00 | 2.6 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.94 | 0.52 | XXXX | $30,254.57 | 48.020% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59655441 | N/A | No | No | XXXX | 8.721% | $991.24 | $991.24 | 8.750% | No | No | US Citizen | 1 | XXXX | $2,779.68 | XXXX | $231.64 | 0.000% | 0.000% | 0.000% | XXXX | 692 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,780.00 | 6.130% | $0.00 | 1.0 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXX | $13,971.62 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56945137 | N/A | No | No | XXXX | 6.874% | $862.13 | $862.13 | 6.874% | No | No | US Citizen | 1 | XXXX | $1,139.04 | XXXX | $94.92 | 0.000% | 0.000% | 0.000% | XXXX | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.8 | No | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59465776 | N/A | No | No | XXXX | 6.962% | $4,657.12 | $4,657.12 | 7.000% | No | No | US Citizen | 1 | XXXX | $2,319.24 | XXXX | $193.27 | 0.000% | 0.000% | 0.000% | XXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $19,600.00 | 6.060% | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56866882 | Non QM | Yes | No | XXXX | XXXX | 7.790% | $4,957.57 | $4,957.57 | 7.750% | No | No | Self-Employed | US Citizen | $91,426.57 | 1 | XXXX | $1,202.04 | XXXX | $100.17 | 9.126% | 9.126% | 9.126% | XXXX | 739 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,640.00 | 6.180% | $0.00 | 2.9 | None | Yes | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $56,283.87 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52578797 | N/A | No | No | XXXX | 6.620% | $1,392.68 | $1,392.68 | 6.625% | No | No | US Citizen | 1 | XXXX | $2,804.76 | XXXX | $233.73 | 0.000% | 0.000% | 0.000% | XXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55935259 | N/A | No | No | XXXX | 7.839% | $406.04 | $406.04 | 7.875% | No | No | US Citizen | 1 | XXXX | $2,087.76 | XXXX | $173.98 | 0.000% | 0.000% | 0.000% | XXXX | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $0.00 | 2.5 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.62 | XXXX | $33,304.71 | 47.570% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52796991 | Non QM | Yes | No | XXXX | XXXX | 8.253% | $3,155.32 | $3,155.32 | 8.250% | No | No | Self-Employed | US Citizen | $10,144.73 | 1 | XXXX | $3,017.40 | XXXX | $251.45 | 39.267% | 39.267% | 39.267% | XXXX | 630 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $50.00 | 6.060% | $1,365.14 | 1.5 | None | Yes | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $90,440.59 | 17.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.64 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52938605 | N/A | No | No | XXXX | XXXX | 6.618% | $1,622.90 | $1,622.90 | 6.625% | No | No | US Citizen | 1 | XXXX | $1,123.08 | XXXX | $93.59 | 0.000% | 0.000% | 0.000% | XXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $12,058.23 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXX | $131,901.66 | 36.420% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | 8.44 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52618578 | N/A | No | No | XXXX | 7.466% | $739.42 | $739.42 | 7.500% | No | No | US Citizen | 2 | XXXX | $1,105.80 | XXXX | $92.15 | 0.000% | 0.000% | 0.000% | XXXX | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,172.50 | 6.060% | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55453847 | N/A | No | No | XXXX | 7.336% | $951.47 | $951.47 | 7.375% | No | No | US Citizen | 1 | XXXX | $801.00 | XXXX | $66.75 | 0.000% | 0.000% | 0.000% | XXXX | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | $170,926.21 | 99.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 96.36 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58357048 | N/A | No | No | XXXX | 6.734% | $953.44 | $953.44 | 6.750% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,140.96 | XXXX | $95.08 | 0.000% | 0.000% | 0.000% | XXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,880.00 | 6.170% | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 123.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54612695 | N/A | No | No | XXXX | 7.571% | $323.82 | $323.82 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,083.96 | XXXX | $90.33 | 0.000% | 0.000% | 0.000% | XXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $915.00 | 6.060% | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50603569 | N/A | No | No | XXXX | 8.325% | $665.06 | $665.06 | 8.375% | No | No | US Citizen | 1 | XXXX | $1,286.88 | XXXX | $107.24 | 0.000% | 0.000% | 0.000% | XXXX | 647 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $0.00 | 1.3 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 92.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59500933 | N/A | No | No | XXXX | 8.766% | $379.81 | $379.81 | 8.814% | No | No | US Citizen | 1 | XXXX | $1,020.96 | XXXX | $85.08 | 0.000% | 0.000% | 0.000% | XXXX | 695 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $0.00 | 2.9 | No | No | 8.814% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | XXXX | $197,070.29 | 100.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 345.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54125092 | N/A | No | No | XXXX | 7.241% | $2,419.12 | $2,419.12 | 7.990% | No | No | 0 | US Citizen | US Citizen | 4 | XXXX | $7,513.32 | XXXX | $626.11 | 0.000% | 0.000% | 0.000% | XXXX | 755 | 779 | 792 | 791 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,900.00 | 6.100% | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.7 | 0.37 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59610060 | N/A | No | No | XXXX | 7.202% | $627.60 | $627.60 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,740.00 | XXXX | $145.00 | 0.000% | 0.000% | 0.000% | XXXX | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,760.00 | 6.060% | $2,300.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXX | $100,517.50 | 87.400% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 75.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50813742 | N/A | No | No | XXXX | 7.814% | $429.24 | $429.24 | 7.875% | No | No | US Citizen | 1 | XXXX | $800.28 | XXXX | $66.69 | 0.000% | 0.000% | 0.000% | XXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,776.00 | 6.060% | $0.00 | 4.8 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.61 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59166126 | N/A | No | No | XXXX | 6.311% | $530.30 | $530.30 | 6.326% | No | No | US Citizen | 1 | XXXX | $1,007.04 | XXXX | $83.92 | 0.000% | 0.000% | 0.000% | XXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,563.20 | 6.060% | $0.00 | 2.7 | N/A | No | 6.326% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | XXXX | $169,726.56 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 357.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51074278 | N/A | No | No | XXXX | 6.746% | $658.98 | $658.98 | 6.750% | No | No | US Citizen | 1 | XXXX | $902.04 | XXXX | $75.17 | 0.000% | 0.000% | 0.000% | XXXX | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXX | $80,533.23 | 62.520% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57336948 | Non QM | Yes | No | XXXX | XXXX | 9.555% | $10,838.75 | $10,838.75 | 9.250% | No | No | Employed | US Citizen | $33,596.99 | 1 | XXXX | $3,658.92 | XXXX | $304.91 | 46.571% | 46.571% | 46.571% | XXXX | 652 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $34,422.18 | 6.140% | $40,000.00 | 2.6 | None | Yes | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $393,557.75 | 25.390% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.67 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59792160 | N/A | No | No | XXXX | XXXX | 10.179% | $4,689.08 | $4,689.08 | 9.875% | No | No | Self-Employed | US Citizen | $180,691.41 | 1 | XXXX | $1,974.96 | XXXX | $164.58 | 3.858% | 3.858% | 3.858% | XXXX | 651 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $26,661.40 | 6.060% | $0.00 | 5.0 | None | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $38,186.56 | 5.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58968351 | N/A | No | No | XXXX | 6.106% | $1,907.90 | $1,907.90 | 6.125% | No | No | US Citizen | US Citizen | 1 | XXXX | $689.16 | XXXX | $57.43 | 0.000% | 0.000% | 0.000% | XXXX | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,140.00 | 6.100% | $0.00 | 2.7 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXX | $172,342.33 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.66 | No | $0.00 | $0.00 | No | No | No | No | 13 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58219647 | N/A | No | No | XXXX | 7.100% | $1,262.42 | $1,262.42 | 7.124% | No | No | US Citizen | 3 | XXXX | $2,811.96 | XXXX | $234.33 | 0.000% | 0.000% | 0.000% | XXXX | 691 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $0.00 | No | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.41 | 0.41 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52286071 | N/A | No | No | XXXX | 5.965% | $876.84 | $876.84 | 6.000% | No | No | US Citizen | 1 | XXXX | $1,220.52 | XXXX | $101.71 | 0.000% | 0.000% | 0.000% | XXXX | 715 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,462.50 | 6.140% | $0.00 | 2.6 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 120.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57316699 | N/A | No | No | XXXX | 6.271% | $2,512.76 | $2,512.76 | 6.299% | No | No | US Citizen | 1 | XXXX | $686.04 | XXXX | $57.17 | 0.000% | 0.000% | 0.000% | XXXX | 714 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $12,180.00 | 6.060% | $0.00 | Yes | No | 6.299% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 79.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51433855 | N/A | No | No | XXXX | 8.689% | $554.62 | $554.62 | 8.750% | No | No | US Citizen | 1 | XXXX | $1,572.96 | XXXX | $131.08 | 0.000% | 0.000% | 0.000% | XXXX | 699 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $0.00 | 1.1 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXX | $10,078.21 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58324151 | N/A | No | No | XXXX | 5.990% | $1,720.53 | $1,720.53 | 5.999% | No | No | US Citizen | 1 | XXXX | $1,145.04 | XXXX | $95.42 | 0.000% | 0.000% | 0.000% | XXXX | 815 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $11,480.00 | 6.060% | $0.00 | 1.0 | No | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 104.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59868714 | N/A | No | No | XXXX | XXXX | 6.360% | $1,079.19 | $1,079.19 | 6.000% | No | No | Self-Employed | US Citizen | $27,537.90 | 1 | XXXX | $938.04 | XXXX | $78.17 | 45.854% | 45.854% | 45.854% | XXXX | 756 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2002 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $8,876.00 | 6.140% | $0.00 | 1.7 | None | No | No | 6.000% | 3 | 3 | 0 | 3 | 2 | 12.00 | No | XXXX | $169,380.00 | 75.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 66.07 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56610269 | N/A | No | No | XXXX | 7.135% | $1,854.07 | $1,854.07 | 7.125% | No | No | Non-Permanent Resident Alien | 1 | XXXX | $1,469.88 | XXXX | $122.49 | 0.000% | 0.000% | 0.000% | XXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $9,000.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | $315,307.11 | 91.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 89.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59339053 | N/A | No | No | XXXX | XXXX | 7.496% | $2,128.39 | $2,128.39 | 7.250% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $8,219.77 | 1 | XXXX | $473.40 | XXXX | $39.45 | 43.671% | 43.671% | 43.671% | XXXX | 774 | No | No | [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $7,805.20 | 6.170% | $5,400.00 | 1.5 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 1 | 0 | 0.00 | No | XXXX | $316,013.91 | 81.020% | No | 18 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.6 | No | No | $8,803.20 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53096055 | N/A | No | No | XXXX | 7.445% | $646.07 | $646.07 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,503.96 | XXXX | $125.33 | 0.000% | 0.000% | 0.000% | XXXX | 665 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 41.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 14 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56136574 | N/A | No | No | XXXX | XXXX | 8.327% | $659.10 | $659.10 | 7.750% | No | No | US Citizen | 1 | XXXX | $237.96 | XXXX | $19.83 | 0.000% | 0.000% | 0.000% | XXXX | 686 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,495.00 | 6.140% | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXX | $71,486.40 | 57.180% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51748049 | N/A | No | No | XXXX | XXXX | 7.040% | $945.98 | $945.98 | 6.875% | No | No | US Citizen | 1 | XXXX | $2,154.00 | XXXX | $179.50 | 0.000% | 0.000% | 0.000% | XXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,715.00 | 6.140% | $0.00 | 2.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 104.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50295797 | N/A | No | No | XXXX | XXXX | 8.330% | $2,421.42 | $2,421.42 | 8.000% | No | No | US Citizen | 2 | XXXX | $2,028.00 | XXXX | $169.00 | 0.000% | 0.000% | 0.000% | XXXX | 691 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $21,295.00 | 6.140% | $0.00 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.82 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51103705 | N/A | No | No | XXXX | 6.490% | $561.28 | $561.28 | 6.500% | No | No | Permanent Resident Alien | 1 | XXXX | $764.04 | XXXX | $63.67 | 0.000% | 0.000% | 0.000% | XXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.1 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.64 | XXXX | $22,040.70 | 19.850% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53833445 | N/A | No | No | XXXX | XXXX | 7.489% | $1,064.48 | $1,064.48 | 7.000% | No | No | US Citizen | 1 | XXXX | $2,351.40 | XXXX | $195.95 | 0.000% | 0.000% | 0.000% | XXXX | 656 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,211.40 | 6.140% | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 99.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51074908 | N/A | No | No | XXXX | 6.239% | $1,537.59 | $1,537.59 | 6.249% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,128.96 | XXXX | $94.08 | 0.000% | 0.000% | 0.000% | XXXX | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $12,487.50 | 6.060% | $0.00 | 1.4 | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 92.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55500547 | N/A | No | No | XXXX | 5.982% | $2,433.91 | $2,433.91 | 5.999% | No | No | US Citizen | 2 | XXXX | $2,099.28 | XXXX | $174.94 | 0.000% | 0.000% | 0.000% | XXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $16,240.00 | 6.060% | $0.00 | No | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXX | $138,235.51 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56148759 | N/A | No | No | XXXX | 6.743% | $1,378.27 | $1,378.27 | 6.750% | No | No | US Citizen | 1 | XXXX | $2,253.84 | XXXX | $187.82 | 0.000% | 0.000% | 0.000% | XXXX | 730 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58331785 | Non QM | Yes | No | XXXX | XXXX | 6.883% | $2,594.87 | $2,594.87 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $187,486.65 | 1 | XXXX | $5,055.00 | XXXX | $421.25 | 3.696% | 3.696% | 3.696% | XXXX | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | 6.140% | $0.00 | 2.5 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $339,581.80 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 88.9 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59043796 | N/A | No | No | XXXX | 7.582% | $2,415.35 | $2,415.35 | 7.625% | No | No | US Citizen | 1 | XXXX | $2,842.92 | XXXX | $236.91 | 0.000% | 0.000% | 0.000% | XXXX | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 4.2 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53506219 | N/A | No | No | XXXX | 7.498% | $603.07 | $603.07 | 7.500% | No | No | US Citizen | 1 | XXXX | $2,022.24 | XXXX | $168.52 | 0.000% | 0.000% | 0.000% | XXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,587.50 | 6.140% | $0.00 | 1.4 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52838231 | Non QM | Yes | No | XXXX | XXXX | 10.062% | $4,042.16 | $4,042.16 | 9.875% | No | No | Self-Employed | US Citizen | $20,151.03 | 1 | XXXX | $4,284.00 | XXXX | $357.00 | 29.006% | 29.006% | 29.006% | XXXX | 650 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $5,950.72 | 6.140% | $0.00 | None | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55347771 | N/A | No | No | XXXX | 6.479% | $1,213.57 | $1,213.57 | 6.500% | No | No | US Citizen | 1 | XXXX | $1,047.96 | XXXX | $87.33 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,680.00 | 6.100% | $5,800.00 | 3.7 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXX | $157,407.56 | 65.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 65.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51871373 | Non QM | Yes | No | XXXX | XXXX | 10.000% | $3,147.85 | $3,147.85 | 10.000% | No | No | Self-Employed | US Citizen | $41,893.52 | 1 | XXXX | $2,410.20 | XXXX | $200.85 | 12.090% | 12.090% | 12.090% | XXXX | 648 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $7,174.00 | 6.140% | $12,000.00 | 1.0 | None | Yes | No | 10.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57542463 | N/A | No | No | XXXX | 5.997% | $2,518.11 | $2,518.11 | 6.000% | No | No | US Citizen | 4 | XXXX | $2,534.04 | XXXX | $211.17 | 0.000% | 0.000% | 0.000% | XXXX | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXX | $330,969.00 | 53.380% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59444584 | N/A | No | No | XXXX | 6.832% | $236.49 | $236.49 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,271.88 | XXXX | $105.99 | 0.000% | 0.000% | 0.000% | XXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,080.00 | 6.140% | $0.00 | 4.3 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.21 | 0.45 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 268.74 | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54283664 | N/A | No | No | XXXX | 6.205% | $735.82 | $735.82 | 6.211% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,697.64 | XXXX | $141.47 | 0.000% | 0.000% | 0.000% | XXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,600.00 | 6.140% | $0.00 | 1.0 | N/A | No | 6.211% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 65.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50987976 | N/A | No | No | XXXX | 6.125% | $1,193.95 | $1,193.95 | 6.125% | No | No | Permanent Resident Alien | 1 | XXXX | $662.04 | XXXX | $55.17 | 0.000% | 0.000% | 0.000% | XXXX | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,895.00 | 6.140% | $0.00 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | $0.00 | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 130.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53993317 | N/A | No | No | XXXX | 7.588% | $875.89 | $875.89 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,442.28 | XXXX | $120.19 | 0.000% | 0.000% | 0.000% | XXXX | 699 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.64 | XXXX | $0.00 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.99 | No | $0.00 | $0.00 | No | No | No | No | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56893803 | N/A | No | No | XXXX | 6.832% | $312.70 | $312.70 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,428.72 | XXXX | $119.06 | 0.000% | 0.000% | 0.000% | XXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,428.00 | 6.140% | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.04 | 0.49 | XXXX | $500.00 | 0.840% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 211.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52753192 | N/A | No | No | XXXX | 7.492% | $594.33 | $594.33 | 7.500% | No | No | US Citizen | 1 | XXXX | $2,521.56 | XXXX | $210.13 | 0.000% | 0.000% | 0.000% | XXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXX | $500.00 | 0.470% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 43.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57372663 | N/A | No | No | XXXX | 6.242% | $1,576.24 | $1,576.24 | 6.250% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,725.36 | XXXX | $143.78 | 0.000% | 0.000% | 0.000% | XXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXX | $106,860.07 | 33.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50197566 | N/A | No | No | XXXX | 6.869% | $556.75 | $556.75 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,382.04 | XXXX | $115.17 | 0.000% | 0.000% | 0.000% | XXXX | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,542.50 | 6.140% | $0.00 | 3.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59511637 | Non QM | Yes | No | XXXX | XXXX | 6.908% | $9,197.00 | $9,197.00 | 6.875% | No | No | Employed | US Citizen | $29,540.02 | 1 | XXXX | $2,145.96 | XXXX | $178.83 | 39.273% | 39.273% | 39.273% | XXXX | 691 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,740.00 | 6.140% | $0.00 | 4.0 | None | No | No | 6.875% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $776,543.70 | 38.820% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.51 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53776746 | N/A | No | No | XXXX | XXXX | 7.088% | $1,374.39 | $1,374.39 | 7.125% | No | No | US Citizen | 1 | XXXX | $3,080.64 | XXXX | $256.72 | 0.000% | 0.000% | 0.000% | XXXX | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $11,000.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXX | $331,968.39 | 97.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 75.11 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57634146 | N/A | No | No | XXXX | 6.346% | $636.72 | $636.72 | 6.375% | No | No | US Citizen | 1 | XXXX | $1,275.96 | XXXX | $106.33 | 0.000% | 0.000% | 0.000% | XXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,020.60 | 6.140% | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXX | $51,795.88 | 38.060% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57304494 | Non QM | Yes | No | XXXX | XXXX | 7.220% | $2,069.33 | $2,069.33 | 6.875% | No | No | Self-Employed | US Citizen | $28,429.81 | 1 | XXXX | $3,176.28 | XXXX | $264.69 | 12.669% | 12.669% | 12.669% | XXXX | 682 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $9,950.00 | 6.140% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.69 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51825551 | N/A | No | No | XXXX | 6.860% | $1,114.15 | $1,114.15 | 6.875% | No | No | US Citizen | 4 | XXXX | $2,775.00 | XXXX | $231.25 | 0.000% | 0.000% | 0.000% | XXXX | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,088.00 | 6.140% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.55 | 0.39 | XXXX | $425,719.85 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 252.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52555821 | N/A | No | No | XXXX | 6.224% | $1,913.65 | $1,913.65 | 6.250% | No | No | US Citizen | 1 | XXXX | $4,739.04 | XXXX | $394.92 | 0.000% | 0.000% | 0.000% | XXXX | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 4.7 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | $23,052.88 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58012995 | N/A | No | No | XXXX | 6.869% | $494.01 | $494.01 | 6.875% | No | No | US Citizen | 1 | XXXX | $915.96 | XXXX | $76.33 | 0.000% | 0.000% | 0.000% | XXXX | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $1,980.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.54 | XXXX | $416,689.30 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 611.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50662519 | N/A | No | No | XXXX | 7.363% | $1,484.95 | $1,484.95 | 7.375% | No | No | US Citizen | 1 | XXXX | $2,172.60 | XXXX | $181.05 | 0.000% | 0.000% | 0.000% | XXXX | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 94.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57339196 | N/A | No | No | XXXX | 7.452% | $408.34 | $408.34 | 7.500% | No | No | US Citizen | US Citizen | 2 | XXXX | $1,284.96 | XXXX | $107.08 | 0.000% | 0.000% | 0.000% | XXXX | 714 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.25 | 0.44 | XXXX | $29,083.33 | 39.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57374893 | Exempt from ATR | N/A | Yes | No | No | XXXX | XXXX | 6.681% | $2,130.07 | $2,130.07 | 6.500% | No | No | Self-Employed | US Citizen | $19,710.77 | 1 | XXXX | $649.20 | XXXX | $54.10 | 19.485% | 19.485% | 19.485% | XXXX | 751 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $13,927.00 | 6.170% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59372644 | N/A | No | No | XXXX | 7.495% | $812.76 | $812.76 | 7.499% | No | No | US Citizen | 1 | XXXX | $1,569.12 | XXXX | $130.76 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,650.00 | 6.060% | $0.00 | 1.0 | No | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | $46,529.41 | 30.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52377538 | N/A | Yes | No | No | XXXX | 6.481% | $837.87 | $837.87 | 6.500% | No | No | US Citizen | 1 | XXXX | $1,200.96 | XXXX | $100.08 | 0.000% | 0.000% | 0.000% | XXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,446.56 | 6.170% | $0.00 | 1.8 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | XXXX | $26,221.68 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59415631 | Non QM | Yes | No | XXXX | XXXX | 6.328% | $5,319.72 | $5,319.72 | 6.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $11,805.40 | 1 | XXXX | $4,030.80 | XXXX | $335.90 | 44.621% | 44.621% | 44.621% | XXXX | 791 | No | Yes | 24 | Business | 100.000% | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,707.07 | 6.140% | $0.00 | 3.3 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $59,809.67 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.75 | No | No | $10,239.59 | $0.00 | No | No | No | No | 3 | 480 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57751438 | N/A | No | No | XXXX | 6.606% | $3,293.76 | $3,293.76 | 6.625% | No | No | US Citizen | 4 | XXXX | $2,460.24 | XXXX | $205.02 | 0.000% | 0.000% | 0.000% | XXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,144.00 | 6.060% | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59183193 | N/A | No | No | XXXX | XXXX | 6.414% | $6,550.63 | $6,550.63 | 6.375% | No | No | Self-Employed | US Citizen | $84,786.93 | 1 | XXXX | $5,042.04 | XXXX | $420.17 | 32.449% | 32.449% | 32.449% | XXXX | 777 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $30,966.00 | 6.170% | $0.00 | 4.1 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 134.43 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50463844 | N/A | No | No | XXXX | 7.723% | $871.16 | $871.16 | 7.750% | No | No | US Citizen | US Citizen | 1 | XXXX | $813.96 | XXXX | $67.83 | 0.000% | 0.000% | 0.000% | XXXX | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXX | $36,337.91 | 23.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54616186 | N/A | No | No | XXXX | 6.211% | $1,711.69 | $1,711.69 | 6.250% | No | No | US Citizen | 1 | XXXX | $2,216.04 | XXXX | $184.67 | 0.000% | 0.000% | 0.000% | XXXX | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXX | $188,883.90 | 44.130% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54094526 | N/A | No | No | XXXX | 7.226% | $878.64 | $878.64 | 7.250% | No | No | US Citizen | 1 | XXXX | $821.04 | XXXX | $68.42 | 0.000% | 0.000% | 0.000% | XXXX | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,864.00 | 6.140% | $0.00 | 2.8 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXX | $25,782.47 | 16.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51533680 | Non QM | Yes | No | XXXX | XXXX | 6.280% | $5,658.44 | $5,658.44 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $28,438.34 | 1 | XXXX | $3,405.96 | XXXX | $283.83 | 23.226% | 23.226% | 23.226% | XXXX | 778 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,640.00 | 6.100% | $0.00 | 1.2 | None | Yes | No | 6.250% | 3 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | XXXX | $74,506.44 | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.57 | No | $0.00 | $12,875.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53424699 | N/A | No | No | XXXX | 6.342% | $1,098.01 | $1,098.01 | 6.375% | No | No | US Citizen | US Citizen | 1 | XXXX | $708.00 | XXXX | $59.00 | 0.000% | 0.000% | 0.000% | XXXX | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,040.00 | 5.980% | $0.00 | 1.3 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $68,012.45 | 29.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53680025 | Non QM | Yes | No | XXXX | XXXX | 7.125% | $3,284.64 | $3,284.64 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $8,403.78 | 1 | XXXX | $6,455.04 | XXXX | $537.92 | 44.719% | 44.719% | 44.719% | XXXX | 747 | No | No | [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - Trust Income]; Other - 2026 [Borrower - | Primary Income - Trust Income]; Trust Agreement - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $11,700.00 | 5.980% | $0.00 | None | N/A | No | 6.875% | 2 | 0 | 2 | 0 | 3 | 3 | 0.00 | No | XXXX | $3,835,625.52 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 426.39 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51142245 | N/A | No | No | XXXX | 7.342% | $875.43 | $875.43 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,449.96 | XXXX | $120.83 | 0.000% | 0.000% | 0.000% | XXXX | 709 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,802.50 | 6.140% | $0.00 | 2.5 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 110.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51689729 | N/A | No | No | XXXX | 6.721% | $4,825.57 | $4,825.57 | 6.750% | No | No | 0 | US Citizen | US Citizen | 2 | XXXX | $5,519.04 | XXXX | $459.92 | 0.000% | 0.000% | 0.000% | XXXX | 735 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,088.00 | 6.170% | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | $673,169.07 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 227.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55773657 | N/A | No | No | XXXX | 6.365% | $1,216.55 | $1,216.55 | 6.375% | No | No | US Citizen | 1 | XXXX | $1,308.00 | XXXX | $109.00 | 0.000% | 0.000% | 0.000% | XXXX | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,750.00 | 5.990% | $0.00 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | $197,243.40 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 75.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52391399 | Non QM | Yes | No | XXXX | XXXX | 8.052% | $6,222.04 | $6,222.04 | 7.750% | No | No | Self-Employed | US Citizen | $32,230.11 | 1 | XXXX | $3,525.00 | XXXX | $293.75 | 30.446% | 30.446% | 30.446% | XXXX | 726 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $23,962.26 | 6.100% | $28,950.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $90,800.00 | 9.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50890752 | Non QM | Yes | No | XXXX | XXXX | 6.031% | $5,845.62 | $5,845.62 | 6.000% | No | No | Employed | Employed | US Citizen | US Citizen | $21,271.30 | 1 | XXXX | $4,520.04 | XXXX | $376.67 | 34.468% | 34.468% | 34.468% | XXXX | 803 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,640.00 | 6.100% | $0.00 | 1.9 | None | Yes | No | 6.000% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $971,361.67 | 57.990% | No | 1 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.48 | Yes | No | $0.00 | $16,209.38 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51910861 | N/A | No | No | XXXX | 6.245% | $1,157.54 | $1,157.54 | 6.250% | No | No | US Citizen | 1 | XXXX | $2,198.04 | XXXX | $183.17 | 0.000% | 0.000% | 0.000% | XXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,639.97 | 6.140% | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | $64,910.87 | 27.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59812916 | N/A | No | No | XXXX | 9.817% | $881.37 | $881.37 | 9.875% | No | No | US Citizen | 1 | XXXX | $672.96 | XXXX | $56.08 | 0.000% | 0.000% | 0.000% | XXXX | 643 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.0 | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51517974 | N/A | No | No | XXXX | 7.190% | $743.57 | $743.57 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,848.00 | XXXX | $154.00 | 0.000% | 0.000% | 0.000% | XXXX | 701 | No | No | DSCR | 1 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 2.5 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.2 | 0.45 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 59.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51986991 | N/A | No | No | XXXX | XXXX | 6.658% | $5,051.56 | $5,858.85 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $109,372.82 | 1 | XXXX | $10,578.24 | XXXX | $881.52 | 35.985% | 35.513% | 36.588% | XXXX | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $47,390.00 | 6.100% | $0.00 | 1.3 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | XXXX | $704,804.25 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.62 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51170497 | N/A | No | No | XXXX | 6.111% | $1,633.33 | $1,633.33 | 6.125% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $2,272.80 | XXXX | $189.40 | 0.000% | 0.000% | 0.000% | XXXX | 738 | 753 | 766 | 766 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $16,000.00 | 6.100% | $0.00 | 1.2 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | 240 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 115.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54282224 | Non QM | Yes | No | XXXX | XXXX | 7.652% | $12,707.03 | $12,707.03 | 7.625% | No | No | Employed | Employed | US Citizen | US Citizen | $31,733.24 | 1 | XXXX | $2,046.00 | XXXX | $170.50 | 37.858% | 37.858% | 37.858% | XXXX | 763 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; Year End Summary - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,640.00 | 6.100% | $0.00 | None | N/A | No | 7.625% | 3 | 1 | 2 | 0 | 3 | 0 | 0.00 | No | XXXX | $524,777.49 | 26.300% | No | 12 | 25 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.17 | No | $0.00 | $9,750.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58493913 | N/A | No | No | XXXX | 6.230% | $1,034.40 | $1,034.40 | 6.250% | No | No | US Citizen | 1 | XXXX | $741.00 | XXXX | $61.75 | 0.000% | 0.000% | 0.000% | XXXX | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,680.00 | 6.100% | $0.00 | 1.1 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXX | $64,989.15 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 42.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58268395 | N/A | No | No | XXXX | 7.741% | $343.88 | $343.88 | 7.750% | No | No | US Citizen | 1 | XXXX | $1,341.48 | XXXX | $111.79 | 0.000% | 0.000% | 0.000% | XXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.1 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXX | $1,352.44 | 2.250% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56745773 | N/A | No | No | XXXX | 8.620% | $536.67 | $536.67 | 8.625% | No | No | US Citizen | 1 | XXXX | $705.96 | XXXX | $58.83 | 0.000% | 0.000% | 0.000% | XXXX | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.0 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | $120,187.38 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 95.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56188522 | Non QM | Yes | No | XXXX | XXXX | 7.265% | $2,528.37 | $2,528.37 | 7.213% | No | No | Self-Employed | US Citizen | $5,782.20 | 1 | XXXX | $2,708.04 | XXXX | $225.67 | 46.768% | 46.768% | 46.768% | XXXX | 782 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $8,619.93 | 6.100% | $0.00 | 1.0 | None | Yes | No | 7.213% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | $84,958.00 | 18.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.34 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57846997 | N/A | No | No | XXXX | 5.960% | $2,337.65 | $2,337.65 | 6.000% | No | No | US Citizen | 1 | XXXX | $978.00 | XXXX | $81.50 | 0.000% | 0.000% | 0.000% | XXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | $411,406.72 | 59.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57038325 | N/A | No | No | XXXX | 6.583% | $4,181.23 | $4,181.23 | 6.625% | No | No | Permanent Resident Alien | 3 | XXXX | $2,649.24 | XXXX | $220.77 | 0.000% | 0.000% | 0.000% | XXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $19,590.00 | 5.980% | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.57 | XXXX | $91,961.96 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.49 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56739941 | N/A | No | No | XXXX | 7.454% | $464.98 | $464.98 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,827.96 | XXXX | $152.33 | 0.000% | 0.000% | 0.000% | XXXX | 649 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 75.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58596663 | N/A | No | No | XXXX | 6.472% | $1,185.13 | $1,185.13 | 6.500% | No | No | US Citizen | 2 | XXXX | $2,309.04 | XXXX | $192.42 | 0.000% | 0.000% | 0.000% | XXXX | 682 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXX | $10,001.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52590298 | Non QM | Yes | No | XXXX | XXXX | 6.422% | $4,991.21 | $4,991.21 | 6.375% | No | No | Self-Employed | US Citizen | $51,926.03 | 1 | XXXX | $1,698.96 | XXXX | $141.58 | 25.838% | 25.838% | 25.838% | XXXX | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,640.00 | 5.980% | $5,250.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $635,356.92 | 60.510% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 44.1 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55146024 | N/A | No | No | XXXX | 6.843% | $1,064.22 | $1,064.22 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,194.00 | XXXX | $99.50 | 0.000% | 0.000% | 0.000% | XXXX | 695 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,860.00 | 6.180% | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXX | $2,100.00 | 0.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50624347 | N/A | No | No | XXXX | XXXX | 7.982% | $2,335.72 | $2,335.72 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,797.96 | XXXX | $149.83 | 0.000% | 0.000% | 0.000% | XXXX | 649 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,232.70 | 6.100% | $0.00 | 1.9 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 138.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52995944 | N/A | No | No | XXXX | XXXX | 7.982% | $2,309.18 | $2,309.18 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,764.00 | XXXX | $147.00 | 0.000% | 0.000% | 0.000% | XXXX | 649 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,016.37 | 6.100% | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 122.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53276624 | Non QM | Yes | No | XXXX | XXXX | 7.935% | $1,863.48 | $1,863.48 | 7.510% | No | No | Self-Employed | US Citizen | $9,341.50 | 1 | XXXX | $704.04 | XXXX | $58.67 | 31.685% | 31.685% | 31.685% | XXXX | 675 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | 0 | XXXX | $10,185.25 | 5.980% | $0.00 | 1.8 | None | Yes | No | 7.510% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59826941 | N/A | No | No | XXXX | 6.368% | $394.16 | $394.16 | 6.875% | No | No | US Citizen | 1 | XXXX | $795.00 | XXXX | $66.25 | 0.000% | 0.000% | 0.000% | XXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.04 | 0.49 | XXXX | $44,918.77 | 59.890% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55463404 | N/A | No | No | XXXX | 7.356% | $321.16 | $321.16 | 7.375% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,256.04 | XXXX | $104.67 | 0.000% | 0.000% | 0.000% | XXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $465.00 | 6.100% | $2,000.00 | 2.5 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.24 | 0.45 | XXXX | $98,378.17 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 168.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59795841 | N/A | No | No | XXXX | 6.595% | $486.64 | $486.64 | 6.625% | No | No | US Citizen | 1 | XXXX | $1,352.04 | XXXX | $112.67 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,280.00 | 6.100% | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXX | $28,195.52 | 29.670% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50568057 | N/A | No | No | XXXX | 7.208% | $511.63 | $511.63 | 7.250% | No | No | US Citizen | 3 | XXXX | $1,358.04 | XXXX | $113.17 | 0.000% | 0.000% | 0.000% | XXXX | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.27 | 0.44 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 88.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53390587 | Non QM | Yes | No | XXXX | XXXX | 6.509% | $1,684.45 | $1,684.45 | 6.375% | No | No | Self-Employed | US Citizen | $6,333.60 | 1 | XXXX | $2,616.60 | XXXX | $218.05 | 41.547% | 41.547% | 41.547% | XXXX | 701 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,999.70 | 6.170% | $0.00 | 1.0 | None | No | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 113.44 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58873270 | N/A | No | No | XXXX | 7.621% | $806.88 | $806.88 | 7.625% | No | No | US Citizen | 2 | XXXX | $2,217.96 | XXXX | $184.83 | 0.000% | 0.000% | 0.000% | XXXX | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.76 | 0.57 | XXXX | $84,200.74 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 165.02 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56139261 | N/A | No | No | XXXX | 7.621% | $1,242.18 | $1,242.18 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,428.96 | XXXX | $119.08 | 0.000% | 0.000% | 0.000% | XXXX | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.13 | XXXX | $84,200.74 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 133.6 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52157782 | N/A | No | No | XXXX | 7.710% | $630.44 | $630.44 | 7.750% | No | No | US Citizen | 2 | XXXX | $3,243.96 | XXXX | $270.33 | 0.000% | 0.000% | 0.000% | XXXX | 690 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,760.00 | 6.100% | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57189930 | N/A | No | No | XXXX | 6.455% | $606.79 | $606.79 | 6.500% | No | No | US Citizen | 1 | XXXX | $938.04 | XXXX | $78.17 | 0.000% | 0.000% | 0.000% | XXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 2.5 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXX | $412,423.06 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 485.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58883826 | Non QM | Yes | No | XXXX | XXXX | 7.140% | $1,993.89 | $1,993.89 | 6.990% | No | No | Employed | Permanent Resident Alien | $3,771.99 | 2 | XXXX | $1,895.04 | XXXX | $157.92 | 49.827% | 49.827% | 49.827% | XXXX | 774 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $4,500.00 | 6.170% | $0.00 | None | No | No | 6.990% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $61,257.46 | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 118.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59767328 | N/A | No | No | XXXX | 7.475% | $460.08 | $460.08 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,020.00 | XXXX | $85.00 | 0.000% | 0.000% | 0.000% | XXXX | 671 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.77 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 72.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54434720 | N/A | No | No | XXXX | 5.974% | $279.97 | $279.97 | 6.000% | No | No | US Citizen | 1 | XXXX | $876.00 | XXXX | $73.00 | 0.000% | 0.000% | 0.000% | XXXX | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 3.14 | 0.32 | XXXX | $22,464.35 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50150435 | N/A | No | No | XXXX | 6.832% | $599.45 | $599.45 | 6.875% | No | No | US Citizen | 1 | XXXX | $870.00 | XXXX | $72.50 | 0.000% | 0.000% | 0.000% | XXXX | 686 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.56 | XXXX | $228,474.16 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 146.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53786165 | N/A | No | No | XXXX | 6.337% | $761.12 | $761.12 | 6.375% | No | No | US Citizen | 1 | XXXX | $943.32 | XXXX | $78.61 | 0.000% | 0.000% | 0.000% | XXXX | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,660.00 | 6.100% | $0.00 | 2.6 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 217.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54178195 | N/A | No | No | XXXX | 7.228% | $1,647.46 | $1,647.46 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,209.96 | XXXX | $100.83 | 0.000% | 0.000% | 0.000% | XXXX | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $12,075.00 | 6.100% | $0.00 | 2.2 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52639600 | N/A | No | No | XXXX | 7.710% | $805.96 | $805.96 | 7.750% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,094.04 | XXXX | $91.17 | 0.000% | 0.000% | 0.000% | XXXX | 738 | 738 | 738 | 696 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50479288 | N/A | No | No | XXXX | XXXX | 7.556% | $1,346.82 | $1,346.82 | 7.375% | No | No | US Citizen | 2 | XXXX | $3,467.04 | XXXX | $288.92 | 0.000% | 0.000% | 0.000% | XXXX | 678 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,625.85 | 6.100% | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58882007 | N/A | No | No | XXXX | 8.320% | $319.23 | $319.23 | 8.375% | No | No | US Citizen | 1 | XXXX | $978.96 | XXXX | $81.58 | 0.000% | 0.000% | 0.000% | XXXX | 660 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.87 | 0.35 | XXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51667635 | N/A | No | No | XXXX | 7.621% | $927.21 | $927.21 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,464.24 | XXXX | $122.02 | 0.000% | 0.000% | 0.000% | XXXX | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.250% | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 100.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50798069 | N/A | No | No | XXXX | 7.342% | $1,372.72 | $1,372.72 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,343.04 | XXXX | $111.92 | 0.000% | 0.000% | 0.000% | XXXX | 652 | 631 | 660 | 664 | Level 3-Stated/Partially Verified | No | No | DSCR | 1 | 0 | 0 | No | XXXX | 6.100% | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXX | $35,501.86 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59284813 | N/A | No | No | XXXX | 7.367% | $469.66 | $469.66 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,883.04 | XXXX | $156.92 | 0.000% | 0.000% | 0.000% | XXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.61 | XXXX | $45,039.75 | 52.980% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58699818 | N/A | No | No | XXXX | 8.243% | $1,975.83 | $1,975.83 | 8.250% | No | No | US Citizen | 1 | XXXX | $551.04 | XXXX | $45.92 | 0.000% | 0.000% | 0.000% | XXXX | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.170% | $0.00 | 1.0 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXX | $310,761.01 | 64.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50662231 | N/A | No | No | XXXX | 6.232% | $3,232.52 | $3,232.52 | 6.250% | No | No | US Citizen | 1 | XXXX | $1,976.04 | XXXX | $164.67 | 0.000% | 0.000% | 0.000% | XXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $26,250.00 | 6.100% | $0.00 | 1.0 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.21 | XXXX | $360,982.23 | 51.560% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57218392 | N/A | No | No | XXXX | XXXX | 6.570% | $1,610.17 | $1,610.17 | 6.125% | No | No | Self-Employed | US Citizen | $5,068.98 | 1 | XXXX | $5,251.20 | XXXX | $437.60 | 36.802% | 36.802% | 36.802% | XXXX | 767 | No | Yes | 12 | Business | 42.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $25,083.05 | 6.100% | $0.00 | 2.6 | None | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.15 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58406419 | N/A | No | No | XXXX | 6.122% | $1,118.00 | $1,118.00 | 6.125% | No | No | US Citizen | 1 | XXXX | $2,037.96 | XXXX | $169.83 | 0.000% | 0.000% | 0.000% | XXXX | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,508.00 | 5.990% | $0.00 | 2.6 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXX | $875.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52509921 | N/A | No | No | XXXX | 5.980% | $1,169.00 | $1,169.00 | 5.999% | No | No | US Citizen | 1 | XXXX | $1,360.92 | XXXX | $113.41 | 0.000% | 0.000% | 0.000% | XXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,679.22 | 6.100% | $0.00 | 3.4 | No | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53984276 | N/A | No | No | XXXX | 6.221% | $3,278.69 | $3,278.69 | 6.250% | No | No | US Citizen | 1 | XXXX | $1,054.08 | XXXX | $87.84 | 0.000% | 0.000% | 0.000% | XXXX | 775 | No | No | DSCR | 0 | 0 | 0 | XXXX | $26,625.00 | 6.100% | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 139.08 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54700076 | N/A | No | No | XXXX | 5.959% | $847.67 | $847.67 | 5.999% | No | No | US Citizen | 2 | XXXX | $2,772.36 | XXXX | $231.03 | 0.000% | 0.000% | 0.000% | XXXX | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,414.00 | 5.980% | $0.00 | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXX | $307,792.44 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 184.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59903209 | Non QM | Yes | No | XXXX | XXXX | 10.236% | $2,247.55 | $2,247.55 | 9.750% | No | No | Self-Employed | US Citizen | $7,487.99 | 1 | XXXX | $1,673.04 | XXXX | $139.42 | 37.633% | 37.633% | 37.633% | XXXX | 658 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,504.62 | 6.120% | $0.00 | 1.0 | None | Yes | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56448902 | N/A | No | No | XXXX | 6.232% | $418.79 | $418.79 | 6.875% | No | No | US Citizen | 1 | XXXX | $965.04 | XXXX | $80.42 | 0.000% | 0.000% | 0.000% | XXXX | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.47 | 0.41 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 91.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51832213 | N/A | No | No | XXXX | 6.472% | $288.22 | $288.22 | 6.500% | No | No | US Citizen | 1 | XXXX | $1,541.64 | XXXX | $128.47 | 0.000% | 0.000% | 0.000% | XXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,368.00 | 6.100% | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.99 | 0.5 | XXXX | $6,942.76 | 12.180% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56437170 | N/A | No | No | XXXX | 7.852% | $815.70 | $815.70 | 7.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,545.00 | XXXX | $128.75 | 0.000% | 0.000% | 0.000% | XXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,375.00 | 6.170% | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXX | $14,966.83 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58045551 | N/A | No | No | XXXX | 6.827% | $443.43 | $443.43 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,032.00 | XXXX | $86.00 | 0.000% | 0.000% | 0.000% | XXXX | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.92 | 0.52 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 90.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59747642 | N/A | No | No | XXXX | 6.840% | $2,165.24 | $2,165.24 | 6.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $2,293.08 | XXXX | $191.09 | 0.000% | 0.000% | 0.000% | XXXX | 714 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,592.00 | 6.100% | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52882066 | N/A | No | No | XXXX | 7.823% | $1,276.12 | $1,276.12 | 7.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $925.68 | XXXX | $77.14 | 0.000% | 0.000% | 0.000% | XXXX | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXX | $40,371.15 | 18.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50202519 | N/A | No | No | XXXX | 7.244% | $354.73 | $354.73 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,239.96 | XXXX | $103.33 | 0.000% | 0.000% | 0.000% | XXXX | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $520.00 | 6.100% | $0.00 | 2.6 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.69 | XXXX | $3,733,258.67 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5411.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55480315 | N/A | No | No | XXXX | 7.839% | $1,108.63 | $1,108.63 | 7.875% | No | No | US Citizen | 1 | XXXX | $3,320.64 | XXXX | $276.72 | 0.000% | 0.000% | 0.000% | XXXX | 681 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54063494 | N/A | No | No | XXXX | 7.206% | $767.45 | $767.45 | 7.250% | No | No | US Citizen | 1 | XXXX | $2,049.00 | XXXX | $170.75 | 0.000% | 0.000% | 0.000% | XXXX | 688 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,375.00 | 6.130% | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58948211 | N/A | No | No | XXXX | 7.371% | $497.29 | $497.29 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,088.04 | XXXX | $90.67 | 0.000% | 0.000% | 0.000% | XXXX | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,160.00 | 6.130% | $0.00 | 2.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | XXXX | $70,458.52 | 78.280% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 63.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54848259 | N/A | No | No | XXXX | 8.822% | $606.80 | $606.80 | 8.841% | No | No | US Citizen | 1 | XXXX | $956.04 | XXXX | $79.67 | 0.000% | 0.000% | 0.000% | XXXX | 692 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | No | No | 8.841% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50906734 | N/A | No | No | XXXX | 8.345% | $632.76 | $632.76 | 8.375% | No | No | US Citizen | 1 | XXXX | $1,068.96 | XXXX | $89.08 | 0.000% | 0.000% | 0.000% | XXXX | 677 | No | No | DSCR | 5 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 2.2 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57349208 | N/A | No | No | XXXX | 6.838% | $854.01 | $854.01 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,394.52 | XXXX | $116.21 | 0.000% | 0.000% | 0.000% | XXXX | 679 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,900.00 | 6.140% | $0.00 | 2.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50733366 | N/A | No | No | XXXX | 6.946% | $581.55 | $581.55 | 6.990% | No | No | US Citizen | 1 | XXXX | $3,896.40 | XXXX | $324.70 | 0.000% | 0.000% | 0.000% | XXXX | 701 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,625.00 | 6.130% | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 58.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57087369 | N/A | No | No | XXXX | 8.723% | $755.23 | $755.23 | 8.750% | No | No | US Citizen | 1 | XXXX | $1,097.04 | XXXX | $91.42 | 0.000% | 0.000% | 0.000% | XXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.0 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXX | $3,673.46 | 3.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57671778 | N/A | No | No | XXXX | 6.604% | $528.26 | $528.26 | 6.625% | No | No | US Citizen | 1 | XXXX | $1,256.04 | XXXX | $104.67 | 0.000% | 0.000% | 0.000% | XXXX | 685 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,475.00 | 6.130% | $0.00 | 1.5 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58546475 | N/A | No | No | XXXX | 6.450% | $302.92 | $302.92 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,323.00 | XXXX | $110.25 | 0.000% | 0.000% | 0.000% | XXXX | 785 | 785 | 767 | 801 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,437.75 | 6.100% | $3,834.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.54 | XXXX | $39,434.65 | 61.710% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51386682 | N/A | No | No | XXXX | XXXX | 7.030% | $580.38 | $580.38 | 6.625% | No | No | US Citizen | 1 | XXXX | $1,497.96 | XXXX | $124.83 | 0.000% | 0.000% | 0.000% | XXXX | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,392.76 | 6.130% | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.99 | 0.5 | XXXX | $223,866.16 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 190.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55819018 | N/A | No | No | XXXX | 6.214% | $496.67 | $496.67 | 6.250% | No | No | US Citizen | 1 | XXXX | $2,145.96 | XXXX | $178.83 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,419.98 | 6.130% | $0.00 | 1.2 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 81.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54943073 | N/A | No | No | XXXX | 6.214% | $496.67 | $496.67 | 6.250% | No | No | US Citizen | 1 | XXXX | $1,577.76 | XXXX | $131.48 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,419.98 | 6.130% | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.58 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 94.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56072562 | Non QM | Yes | No | XXXX | XXXX | 8.430% | $2,940.29 | $2,940.29 | 8.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $4,072.00 | 1 | XXXX | $1,811.28 | XXXX | $150.94 | 49.812% | 49.812% | 49.812% | XXXX | 739 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $10,010.00 | 6.130% | $0.00 | 1.8 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 77.46 | No | No | $7,167.04 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53609099 | N/A | No | No | XXXX | 7.575% | $721.84 | $721.84 | 7.625% | No | No | US Citizen | 2 | XXXX | $1,820.04 | XXXX | $151.67 | 0.000% | 0.000% | 0.000% | XXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,059.55 | 6.130% | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | XXXX | $4,113.68 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 7.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51099423 | N/A | No | No | XXXX | 6.982% | $1,456.87 | $1,456.87 | 6.999% | No | No | US Citizen | 1 | XXXX | $927.00 | XXXX | $77.25 | 0.000% | 0.000% | 0.000% | XXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.0 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXX | $281,628.06 | 77.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52780226 | N/A | No | No | XXXX | XXXX | 8.815% | $636.52 | $636.52 | 8.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $924.00 | XXXX | $77.00 | 0.000% | 0.000% | 0.000% | XXXX | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $5,000.00 | 1.0 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | XXXX | $29,420.03 | 29.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54335895 | N/A | No | No | XXXX | XXXX | 7.146% | $745.14 | $745.14 | 6.956% | No | No | US Citizen | 1 | XXXX | $1,748.04 | XXXX | $145.67 | 0.000% | 0.000% | 0.000% | XXXX | 777 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXX | $2,601.25 | 6.120% | $0.00 | 1.0 | Yes | No | 6.956% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXX | $54,581.50 | 36.380% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59115122 | N/A | No | No | XXXX | 6.450% | $462.45 | $462.45 | 6.443% | No | No | US Citizen | 1 | XXXX | $1,188.96 | XXXX | $99.08 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $736.00 | 6.130% | $0.00 | 1.0 | Yes | No | 6.443% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | $1,000.00 | 1.080% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 47.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52734342 | N/A | No | No | XXXX | 6.213% | $907.41 | $907.41 | 6.250% | No | No | 0 | Permanent Resident Alien | Permanent Resident Alien | 1 | XXXX | $1,227.00 | XXXX | $102.25 | 0.000% | 0.000% | 0.000% | XXXX | 747 | 794 | 798 | 794 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 2.3 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 110.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53704144 | N/A | No | No | XXXX | XXXX | 6.703% | $1,048.10 | $1,048.10 | 6.375% | No | No | US Citizen | 1 | XXXX | $1,302.96 | XXXX | $108.58 | 0.000% | 0.000% | 0.000% | XXXX | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,595.00 | 6.140% | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 60.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54147235 | N/A | No | No | XXXX | 6.481% | $597.30 | $597.30 | 6.500% | No | No | US Citizen | 1 | XXXX | $1,226.76 | XXXX | $102.23 | 0.000% | 0.000% | 0.000% | XXXX | 695 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 91.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57552412 | N/A | No | No | XXXX | 7.991% | $1,221.72 | $1,221.72 | 8.000% | No | No | US Citizen | 1 | XXXX | $2,565.00 | XXXX | $213.75 | 0.000% | 0.000% | 0.000% | XXXX | 649 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.0 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXX | $81,162.28 | 36.550% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50499393 | N/A | No | No | XXXX | 7.723% | $823.87 | $823.87 | 7.750% | No | No | US Citizen | 1 | XXXX | $1,532.52 | XXXX | $127.71 | 0.000% | 0.000% | 0.000% | XXXX | 716 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 2.3 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56068657 | N/A | No | No | XXXX | XXXX | 6.477% | $18,716.10 | $18,716.10 | 6.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $373,164.72 | 1 | XXXX | $5,145.84 | XXXX | $428.82 | 9.270% | 9.270% | 9.270% | XXXX | 802 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $163,860.00 | 6.130% | $50,000.00 | 2.6 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $2,962,211.57 | 45.960% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 73.35 | No | No | $213,158.88 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56570233 | N/A | No | No | XXXX | XXXX | 6.519% | $3,649.64 | $3,649.64 | 6.375% | No | No | Not Employed | Self-Employed | US Citizen | $722,443.38 | 1 | XXXX | $3,261.96 | XXXX | $271.83 | 5.640% | 5.640% | 5.640% | XXXX | 770 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $31,860.00 | 6.130% | $0.00 | 3.1 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $880,387.42 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 197.1 | No | No | $765,623.50 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53843239 | N/A | No | No | XXXX | 6.588% | $729.06 | $729.06 | 6.625% | No | No | US Citizen | 1 | XXXX | $806.76 | XXXX | $67.23 | 0.000% | 0.000% | 0.000% | XXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,693.05 | 5.980% | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXX | $23,040.22 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 118.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50578407 | N/A | No | No | XXXX | XXXX | 6.396% | $3,558.85 | $3,558.85 | 6.250% | No | No | Not Employed | Self-Employed | US Citizen | $732,968.92 | 1 | XXXX | $920.04 | XXXX | $76.67 | 5.499% | 5.499% | 5.499% | XXXX | 770 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $31,510.00 | 6.130% | $0.00 | 2.6 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $880,387.42 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 201.99 | No | No | $775,623.51 | $0.00 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54146270 | N/A | No | No | XXXX | 6.858% | $507.48 | $507.48 | 6.875% | No | No | US Citizen | 2 | XXXX | $1,227.00 | XXXX | $102.25 | 0.000% | 0.000% | 0.000% | XXXX | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | XXXX | $1,000.00 | 0.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.16 | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57378523 | N/A | No | No | XXXX | 6.370% | $538.09 | $538.09 | 6.375% | No | No | US Citizen | 1 | XXXX | $819.96 | XXXX | $68.33 | 0.000% | 0.000% | 0.000% | XXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | $68,108.60 | 59.220% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56040965 | N/A | No | No | XXXX | 7.208% | $558.70 | $558.70 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,394.28 | XXXX | $116.19 | 0.000% | 0.000% | 0.000% | XXXX | 661 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,457.00 | 6.130% | $0.00 | 2.3 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.94 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50971561 | N/A | No | No | XXXX | 7.840% | $1,177.55 | $1,177.55 | 7.885% | No | No | US Citizen | US Citizen | 1 | XXXX | $879.00 | XXXX | $73.25 | 0.000% | 0.000% | 0.000% | XXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.180% | $0.00 | N/A | No | 7.885% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.66 | 1.51 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55813917 | N/A | No | No | XXXX | XXXX | 7.482% | $4,454.85 | $4,454.85 | 7.375% | No | No | Self-Employed | US Citizen | $16,247.96 | 1 | XXXX | $1,488.12 | XXXX | $124.01 | 46.654% | 46.654% | 46.654% | XXXX | 732 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $38,192.50 | 6.130% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.24 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52830355 | N/A | No | No | XXXX | 6.824% | $979.69 | $979.69 | 6.875% | No | No | US Citizen | 1 | XXXX | $663.96 | XXXX | $55.33 | 0.000% | 0.000% | 0.000% | XXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,840.00 | 5.990% | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | XXXX | $216,566.92 | 72.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58263660 | N/A | No | No | XXXX | 6.847% | $758.75 | $758.75 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,449.00 | XXXX | $120.75 | 0.000% | 0.000% | 0.000% | XXXX | 726 | 777 | 772 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,176.25 | 6.130% | $0.00 | 1.8 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.92 | 0.52 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 105.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57121298 | N/A | No | No | XXXX | 6.847% | $344.89 | $344.89 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,187.04 | XXXX | $98.92 | 0.000% | 0.000% | 0.000% | XXXX | 726 | 732 | 777 | 772 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,443.75 | 6.130% | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.89 | 0.35 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50096118 | Non QM | Yes | No | XXXX | XXXX | 6.375% | $2,308.94 | $2,308.94 | 6.250% | No | No | Employed | US Citizen | $21,351.86 | 1 | XXXX | $1,497.72 | XXXX | $124.81 | 32.626% | 32.626% | 32.626% | XXXX | 774 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $5,390.00 | 6.130% | $0.00 | 1.5 | None | No | No | 6.250% | 1 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $673,702.66 | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 365.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52644237 | N/A | No | No | XXXX | 7.240% | $1,202.34 | $1,202.34 | 7.250% | No | No | US Citizen | 1 | XXXX | $3,765.96 | XXXX | $313.83 | 0.000% | 0.000% | 0.000% | XXXX | 696 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXX | $51,146.59 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50222233 | N/A | No | No | XXXX | 7.212% | $4,451.20 | $4,451.20 | 7.250% | No | No | US Citizen | 1 | XXXX | $2,468.04 | XXXX | $205.67 | 0.000% | 0.000% | 0.000% | XXXX | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.5 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | $314,433.03 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 184.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54539761 | Non QM | Yes | No | XXXX | XXXX | 6.722% | $1,943.06 | $1,943.06 | 6.375% | No | No | Employed | US Citizen | $2,290.75 | 1 | XXXX | $3,068.52 | XXXX | $255.71 | 52.392% | 52.392% | 52.392% | XXXX | 742 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; Year End Summary - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $9,710.25 | 6.130% | $0.00 | 1.8 | None | Yes | No | 6.375% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 480 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58812703 | N/A | No | No | XXXX | XXXX | 7.512% | $10,334.23 | $10,334.23 | 7.375% | No | No | Self-Employed | US Citizen | $16,831.10 | 1 | XXXX | $3,668.04 | XXXX | $305.67 | 47.200% | 47.200% | 47.200% | XXXX | 716 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | XXXX | $12,263.38 | 6.130% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | $714,545.65 | 35.810% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54601778 | N/A | No | No | XXXX | 6.853% | $3,613.11 | $3,613.11 | 6.875% | No | No | US Citizen | 1 | XXXX | $4,566.12 | XXXX | $380.51 | 0.000% | 0.000% | 0.000% | XXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $16,500.00 | 6.140% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.12 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50906026 | N/A | No | No | XXXX | 6.714% | $1,391.24 | $1,391.24 | 6.750% | No | No | US Citizen | 1 | XXXX | $3,714.96 | XXXX | $309.58 | 0.000% | 0.000% | 0.000% | XXXX | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 107 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51298449 | N/A | No | No | XXXX | XXXX | 7.265% | $6,236.58 | $6,236.58 | 6.999% | No | No | Self-Employed | US Citizen | $79,922.01 | 1 | XXXX | $2,781.00 | XXXX | $231.75 | 14.101% | 14.101% | 14.101% | XXXX | 749 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $70,619.38 | 6.170% | $0.00 | None | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 130.04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52507777 | N/A | No | No | XXXX | 7.721% | $9,134.26 | $9,134.26 | 7.750% | No | No | US Citizen | US Citizen | 1 | XXXX | $2,915.04 | XXXX | $242.92 | 0.000% | 0.000% | 0.000% | XXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $39,525.00 | 6.160% | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 55.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50783004 | Non QM | Yes | No | XXXX | XXXX | 6.053% | $3,632.08 | $3,632.08 | 6.000% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $9,409.11 | 1 | XXXX | $2,198.76 | XXXX | $183.23 | 35.391% | 35.391% | 35.391% | XXXX | 785 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $2,819.86 | 6.130% | $0.00 | 1.0 | None | Yes | No | 6.000% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $31,623.99 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.85 | No | $12,320.08 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56567207 | N/A | No | No | XXXX | 7.612% | $345.40 | $345.40 | 7.625% | No | No | US Citizen | 1 | XXXX | $975.96 | XXXX | $81.33 | 0.000% | 0.000% | 0.000% | XXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.41 | 0.42 | XXXX | $33,624.10 | 55.120% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50507325 | N/A | No | No | XXXX | 7.723% | $3,259.68 | $3,259.68 | 7.750% | No | No | US Citizen | 3 | XXXX | $4,761.00 | XXXX | $396.75 | 0.000% | 0.000% | 0.000% | XXXX | 669 | No | No | DSCR | 0 | 1 | 0 | No | XXXX | $18,200.00 | 5.980% | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.87 | No | $0.00 | $0.00 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52516252 | N/A | No | No | XXXX | 6.491% | $695.27 | $695.27 | 6.500% | No | No | US Citizen | 1 | XXXX | $2,477.40 | XXXX | $206.45 | 0.000% | 0.000% | 0.000% | XXXX | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,400.00 | 6.020% | $0.00 | 2.6 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 91.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56670765 | N/A | No | No | XXXX | 6.856% | $3,869.31 | $3,869.31 | 6.875% | No | No | US Citizen | US Citizen | 2 | XXXX | $911.04 | XXXX | $75.92 | 0.000% | 0.000% | 0.000% | XXXX | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $23,560.00 | 6.100% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXX | $60,689.25 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52865007 | N/A | No | No | XXXX | 6.000% | $1,205.10 | $1,205.10 | 6.000% | No | No | US Citizen | 1 | XXXX | $2,959.44 | XXXX | $246.62 | 0.000% | 0.000% | 0.000% | XXXX | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,040.00 | 5.980% | $0.00 | 2.3 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59009629 | Non QM | Yes | No | XXXX | XXXX | 6.326% | $1,539.29 | $1,539.29 | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $23,446.92 | 1 | XXXX | $4,882.32 | XXXX | $406.86 | 27.008% | 27.008% | 27.008% | XXXX | 815 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $1,995.00 | 6.130% | $0.00 | 2.5 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | XXXX | $5,654,846.38 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 72.96 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52327897 | N/A | No | No | XXXX | 8.202% | $432.73 | $432.73 | 8.250% | No | No | US Citizen | 1 | XXXX | $1,526.04 | XXXX | $127.17 | 0.000% | 0.000% | 0.000% | XXXX | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.5 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.61 | XXXX | $500.00 | 0.690% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55803528 | N/A | No | No | XXXX | 7.646% | $722.71 | $722.71 | 7.712% | No | No | US Citizen | 1 | XXXX | $2,049.00 | XXXX | $170.75 | 0.000% | 0.000% | 0.000% | XXXX | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,012.50 | 6.130% | $0.00 | 2.1 | Yes | No | 7.712% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59422007 | N/A | No | No | XXXX | 7.194% | $414.79 | $414.79 | 7.250% | No | No | US Citizen | 1 | XXXX | $724.32 | XXXX | $60.36 | 0.000% | 0.000% | 0.000% | XXXX | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58979134 | Non QM | Yes | No | XXXX | XXXX | 7.695% | $2,160.62 | $2,160.62 | 7.550% | No | No | Self-Employed | US Citizen | $51,369.16 | 1 | XXXX | $2,306.04 | XXXX | $192.17 | 8.421% | 8.421% | 8.421% | XXXX | 671 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $3,102.00 | 6.100% | $0.00 | 3.8 | None | No | No | 7.550% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50680340 | N/A | No | No | XXXX | 7.230% | $784.50 | $784.50 | 7.250% | No | No | US Citizen | 1 | XXXX | $930.96 | XXXX | $77.58 | 0.000% | 0.000% | 0.000% | XXXX | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 5.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55429075 | N/A | No | No | XXXX | XXXX | 7.693% | $4,375.00 | $5,639.15 | 7.500% | No | No | Non-Employment Income | Employed | Employed | 14.32 | US Citizen | US Citizen | US Citizen | $20,337.91 | 1 | XXXX | $858.96 | XXXX | $71.58 | 51.302% | 48.275% | 51.302% | XXXX | 722 | 781 | 783 | 752 | Level 3-Stated/Partially Verified | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $13,510.00 | 6.140% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | 240 | XXXX | $18,765.72 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.38 | No | No | $0.00 | $31,392.81 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52158070 | N/A | No | No | XXXX | 7.445% | $639.78 | $639.78 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,269.00 | XXXX | $105.75 | 0.000% | 0.000% | 0.000% | XXXX | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 3.5 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 99.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58630441 | N/A | No | No | XXXX | 5.992% | $959.28 | $959.28 | 6.000% | No | No | US Citizen | 1 | XXXX | $1,322.04 | XXXX | $110.17 | 0.000% | 0.000% | 0.000% | XXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,000.00 | 6.100% | $0.00 | 1.0 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58279325 | N/A | No | No | XXXX | 7.582% | $1,981.82 | $1,981.82 | 7.625% | No | No | US Citizen | 4 | XXXX | $3,778.20 | XXXX | $314.85 | 0.000% | 0.000% | 0.000% | XXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.96 | 0.51 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50831268 | N/A | No | No | XXXX | 6.081% | $2,530.70 | $2,530.70 | 6.125% | No | No | Permanent Resident Alien | 4 | XXXX | $3,645.96 | XXXX | $303.83 | 0.000% | 0.000% | 0.000% | XXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $16,660.00 | 6.130% | $0.00 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.83 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58158762 | N/A | No | No | XXXX | 5.992% | $929.30 | $929.30 | 6.000% | No | No | US Citizen | 1 | XXXX | $1,368.96 | XXXX | $114.08 | 0.000% | 0.000% | 0.000% | XXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,750.00 | 6.100% | $0.00 | 1.0 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58614722 | N/A | No | No | XXXX | 7.117% | $734.77 | $734.77 | 7.125% | No | No | US Citizen | 1 | XXXX | $975.36 | XXXX | $81.28 | 0.000% | 0.000% | 0.000% | XXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | 360 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58926801 | N/A | No | No | XXXX | 6.950% | $942.07 | $942.07 | 7.000% | No | No | US Citizen | 1 | XXXX | $1,284.96 | XXXX | $107.08 | 0.000% | 0.000% | 0.000% | XXXX | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,248.00 | 6.100% | $0.00 | 5.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXX | $242,523.82 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 250.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54514113 | N/A | No | No | XXXX | 7.072% | $485.08 | $485.08 | 7.125% | No | No | US Citizen | 1 | XXXX | $1,117.20 | XXXX | $93.10 | 0.000% | 0.000% | 0.000% | XXXX | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,160.00 | 6.130% | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | XXXX | $149,754.49 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 208.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57126108 | N/A | No | No | XXXX | 7.072% | $404.23 | $404.23 | 7.125% | No | No | US Citizen | 1 | XXXX | $1,151.88 | XXXX | $95.99 | 0.000% | 0.000% | 0.000% | XXXX | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,800.00 | 6.130% | $0.00 | 2.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.53 | XXXX | $149,604.49 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 241.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57943706 | N/A | No | No | XXXX | 7.101% | $533.59 | $533.59 | 7.125% | No | No | US Citizen | 1 | XXXX | $1,353.00 | XXXX | $112.75 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.7 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXX | $61,104.97 | 61.720% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55534299 | N/A | No | No | XXXX | 7.086% | $328.77 | $328.77 | 7.125% | No | No | US Citizen | 1 | XXXX | $1,213.80 | XXXX | $101.15 | 0.000% | 0.000% | 0.000% | XXXX | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,464.00 | 6.100% | $3,000.00 | 2.5 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.61 | XXXX | $27,403.67 | 44.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53565389 | Non QM | Yes | No | XXXX | XXXX | 7.035% | $1,168.11 | $1,168.11 | 6.490% | No | No | Self-Employed | US Citizen | $4,582.07 | 1 | XXXX | $1,970.28 | XXXX | $164.19 | 38.682% | 38.682% | 38.682% | XXXX | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $7,891.05 | 6.100% | $0.00 | 1.0 | None | Yes | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59840399 | N/A | No | No | XXXX | 5.955% | $1,161.93 | $1,161.93 | 6.000% | No | No | US Citizen | 1 | XXXX | $1,246.44 | XXXX | $103.87 | 0.000% | 0.000% | 0.000% | XXXX | 667 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,814.00 | 6.100% | $0.00 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53693800 | N/A | No | No | XXXX | 6.488% | $1,264.14 | $1,264.14 | 6.500% | No | No | US Citizen | 1 | XXXX | $2,039.04 | XXXX | $169.92 | 0.000% | 0.000% | 0.000% | XXXX | 680 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXX | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51370023 | N/A | No | No | XXXX | 5.977% | $584.56 | $584.56 | 6.000% | No | No | US Citizen | US Citizen | 1 | XXXX | $909.00 | XXXX | $75.75 | 0.000% | 0.000% | 0.000% | XXXX | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.1 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 85.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58063147 | N/A | No | No | XXXX | 7.686% | $429.85 | $429.85 | 7.750% | No | No | US Citizen | 1 | XXXX | $1,145.16 | XXXX | $95.43 | 0.000% | 0.000% | 0.000% | XXXX | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $265,939.63 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 344.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52870950 | N/A | No | No | XXXX | 7.810% | $299.09 | $299.09 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,076.04 | XXXX | $89.67 | 0.000% | 0.000% | 0.000% | XXXX | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.1 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | $265,939.63 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 527.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59039271 | N/A | No | No | XXXX | 7.810% | $435.04 | $435.04 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,441.20 | XXXX | $120.10 | 0.000% | 0.000% | 0.000% | XXXX | 718 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | 5.990% | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50220749 | N/A | No | No | XXXX | 7.810% | $435.04 | $435.04 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,673.16 | XXXX | $139.43 | 0.000% | 0.000% | 0.000% | XXXX | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.3 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.58 | XXXX | $265,939.63 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 347.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59439342 | N/A | No | No | XXXX | 7.810% | $489.42 | $489.42 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,525.08 | XXXX | $127.09 | 0.000% | 0.000% | 0.000% | XXXX | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 2.4 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | XXXX | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 422.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57339382 | N/A | No | No | XXXX | 7.810% | $402.41 | $402.41 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,426.44 | XXXX | $118.87 | 0.000% | 0.000% | 0.000% | XXXX | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.9 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | $265,939.63 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 486.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51079194 | N/A | No | No | XXXX | 7.117% | $1,135.22 | $1,135.22 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,191.96 | XXXX | $99.33 | 0.000% | 0.000% | 0.000% | XXXX | 763 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,685.00 | 6.100% | $0.00 | 4.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 76.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57050559 | N/A | No | No | XXXX | 6.853% | $577.44 | $577.44 | 6.875% | No | No | US Citizen | 1 | XXXX | $948.96 | XXXX | $79.08 | 0.000% | 0.000% | 0.000% | XXXX | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,395.00 | 6.020% | $0.00 | 3.4 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 115.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51161810 | N/A | No | No | XXXX | XXXX | 8.331% | $1,544.40 | $1,544.40 | 7.875% | No | No | Not Employed | Self-Employed | US Citizen | $159,990.91 | 1 | XXXX | $1,629.00 | XXXX | $135.75 | 14.867% | 14.867% | 14.867% | XXXX | 693 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | 0 | XXXX | $8,507.21 | 6.130% | $0.00 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $56,355.92 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | Other | No | 27.47 | No | No | $187,929.69 | $0.00 | No | No | No | No | 11 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52170547 | N/A | No | No | XXXX | 6.337% | $3,088.16 | $3,088.16 | 6.375% | No | No | US Citizen | 1 | XXXX | $746.52 | XXXX | $62.21 | 0.000% | 0.000% | 0.000% | XXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | $15,598.57 | 1.890% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55636710 | N/A | No | No | XXXX | 7.563% | $557.06 | $557.06 | 7.619% | No | No | US Citizen | 1 | XXXX | $1,016.04 | XXXX | $84.67 | 0.000% | 0.000% | 0.000% | XXXX | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | Yes | No | 7.619% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 88.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58034438 | N/A | No | No | XXXX | 7.220% | $992.57 | $992.57 | 7.250% | No | No | US Citizen | 1 | XXXX | $732.00 | XXXX | $61.00 | 0.000% | 0.000% | 0.000% | XXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 2.5 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 74.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52974639 | N/A | No | No | XXXX | 6.799% | $538.39 | $538.39 | 6.810% | No | No | US Citizen | 2 | XXXX | $1,014.00 | XXXX | $84.50 | 0.000% | 0.000% | 0.000% | XXXX | 806 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | No | No | 6.810% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.12 | 0.47 | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57947304 | N/A | No | No | XXXX | 6.497% | $2,433.46 | $2,433.46 | 6.500% | No | No | US Citizen | 2 | XXXX | $5,055.60 | XXXX | $421.30 | 0.000% | 0.000% | 0.000% | XXXX | 660 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $11,550.00 | 6.100% | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55426514 | N/A | No | No | XXXX | 7.871% | $2,746.41 | $2,746.41 | 7.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $3,744.00 | XXXX | $312.00 | 0.000% | 0.000% | 0.000% | XXXX | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 360 | XXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 117.89 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50942498 | N/A | No | No | XXXX | 7.810% | $462.23 | $462.23 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,757.04 | XXXX | $146.42 | 0.000% | 0.000% | 0.000% | XXXX | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXX | $265,939.63 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 324.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54471398 | N/A | No | No | XXXX | 7.355% | $414.36 | $414.36 | 7.374% | No | No | US Citizen | 1 | XXXX | $1,040.04 | XXXX | $86.67 | 0.000% | 0.000% | 0.000% | XXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,800.00 | 6.100% | $0.00 | No | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | $147,021.29 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 238.54 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52762705 | N/A | No | No | XXXX | XXXX | 7.375% | $1,044.30 | $1,044.30 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,182.96 | XXXX | $98.58 | 0.000% | 0.000% | 0.000% | XXXX | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,694.00 | 6.100% | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | $91,383.17 | 48.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59442709 | N/A | No | No | XXXX | 6.868% | $630.65 | $630.65 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,139.76 | XXXX | $94.98 | 0.000% | 0.000% | 0.000% | XXXX | 789 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | 6.100% | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54292486 | N/A | No | No | XXXX | XXXX | 7.926% | $511.63 | $511.63 | 7.250% | No | No | US Citizen | 1 | XXXX | $839.04 | XXXX | $69.92 | 0.000% | 0.000% | 0.000% | XXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $750.00 | 6.430% | $0.00 | 1.9 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 82.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51144384 | N/A | No | No | XXXX | 5.996% | $786.83 | $786.83 | 5.999% | No | No | US Citizen | 2 | XXXX | $842.04 | XXXX | $70.17 | 0.000% | 0.000% | 0.000% | XXXX | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,312.50 | 5.990% | $0.00 | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.95 | 0.51 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 110.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56156215 | N/A | No | No | XXXX | 6.466% | $1,128.12 | $1,128.12 | 6.499% | No | No | US Citizen | 1 | XXXX | $1,485.96 | XXXX | $123.83 | 0.000% | 0.000% | 0.000% | XXXX | 709 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,640.28 | 5.980% | $0.00 | 4.2 | No | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 98.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54550468 | N/A | No | No | XXXX | 6.463% | $2,559.61 | $2,559.61 | 6.499% | No | No | US Citizen | 2 | XXXX | $4,805.04 | XXXX | $400.42 | 0.000% | 0.000% | 0.000% | XXXX | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $13,160.47 | 5.980% | $0.00 | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXX | $23,128.58 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.39 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57371065 | N/A | No | No | XXXX | 6.248% | $1,223.74 | $1,223.74 | 6.250% | No | No | US Citizen | 1 | XXXX | $1,313.04 | XXXX | $109.42 | 0.000% | 0.000% | 0.000% | XXXX | 804 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $4,968.75 | 5.980% | $0.00 | 1.0 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXX | $815.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52058282 | N/A | No | No | XXXX | 6.109% | $1,002.56 | $1,002.56 | 6.125% | No | No | US Citizen | 1 | XXXX | $1,980.24 | XXXX | $165.02 | 0.000% | 0.000% | 0.000% | XXXX | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,250.00 | 6.100% | $0.00 | 3.4 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55133092 | Non QM | Yes | No | XXXX | XXXX | 7.780% | $5,593.72 | $5,593.72 | 7.500% | No | No | Self-Employed | US Citizen | $171,184.23 | 1 | XXXX | $972.96 | XXXX | $81.08 | 3.724% | 3.724% | 3.724% | XXXX | 674 | No | Yes | 12 | Business | 100.000% | 75.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 2 | 1 | 0 | XXXX | $19,803.00 | 6.100% | $0.00 | 2.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $38,791.46 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51666443 | N/A | No | No | XXXX | 6.616% | $1,613.58 | $1,613.58 | 6.625% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | US Citizen | 1 | XXXX | $2,400.96 | XXXX | $200.08 | 0.000% | 0.000% | 0.000% | XXXX | 795 | 800 | 750 | 802 | 807 | 790 | 807 | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 2.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXX | $203,339.48 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58537843 | N/A | No | No | XXXX | 6.327% | $678.46 | $678.46 | 6.375% | No | No | US Citizen | 2 | XXXX | $1,173.96 | XXXX | $97.83 | 0.000% | 0.000% | 0.000% | XXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,350.00 | 6.100% | $0.00 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.59 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54767593 | N/A | No | No | XXXX | 6.330% | $2,495.48 | $2,495.48 | 6.375% | No | No | US Citizen | 2 | XXXX | $4,389.00 | XXXX | $365.75 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,000.00 | 6.260% | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | $47,124.58 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50385625 | Non QM | Yes | No | XXXX | XXXX | 7.249% | $3,995.15 | $3,995.15 | 7.125% | No | No | Employed | US Citizen | $5,476.89 | 1 | XXXX | $1,749.00 | XXXX | $145.75 | 47.979% | 47.979% | 47.979% | XXXX | 744 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $5,972.87 | 6.220% | $0.00 | None | N/A | No | 7.125% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | XXXX | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 65.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53699160 | Non QM | Yes | No | XXXX | XXXX | 8.974% | $3,180.24 | $3,180.24 | 8.750% | No | No | Self-Employed | US Citizen | $17,390.95 | 1 | XXXX | $2,419.92 | XXXX | $201.66 | 36.314% | 36.314% | 36.314% | XXXX | 624 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $7,458.75 | 6.190% | $0.00 | 1.6 | None | N/A | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50962234 | Non QM | Yes | No | XXXX | XXXX | 7.647% | $1,367.54 | $1,367.54 | 7.375% | No | No | Self-Employed | US Citizen | $5,811.96 | 1 | XXXX | $2,224.56 | XXXX | $185.38 | 31.651% | 31.651% | 31.651% | XXXX | 677 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXX | $4,889.70 | 6.220% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | $50,003.88 | 20.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58146927 | N/A | No | No | XXXX | XXXX | 5.957% | $1,982.83 | $1,982.83 | 6.000% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,052.61 | 1 | XXXX | $2,910.36 | XXXX | $242.53 | 45.568% | 45.568% | 45.568% | XXXX | 751 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXX | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | $253,375.29 | 61.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.33 | No | No | $8,315.48 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53017771 | Non QM | Yes | No | XXXX | XXXX | 8.667% | $5,687.59 | $5,687.59 | 8.625% | No | No | Self-Employed | US Citizen | $178,663.77 | 1 | XXXX | $2,169.96 | XXXX | $180.83 | 8.256% | 8.256% | 8.256% | XXXX | 749 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,395.00 | 6.230% | $0.00 | 2.3 | None | N/A | No | 8.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $10,000.00 | 1.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.72 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59741136 | Non QM | Yes | No | XXXX | XXXX | 9.057% | $3,407.35 | $3,407.35 | 8.875% | No | No | Employed | US Citizen | $59,685.44 | 1 | XXXX | $2,082.96 | XXXX | $173.58 | 25.169% | 25.169% | 25.169% | XXXX | 646 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $6,168.47 | 6.190% | $0.00 | 2.4 | None | N/A | No | 8.875% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $206,335.84 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.82 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59986194 | Non QM | Yes | No | XXXX | XXXX | 8.217% | $2,300.28 | $2,300.28 | 7.875% | No | No | Self-Employed | US Citizen | $13,874.88 | 1 | XXXX | $1,296.96 | XXXX | $108.08 | 27.203% | 27.203% | 27.203% | XXXX | 778 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | XXXX | $9,374.69 | 6.220% | $11,000.00 | 1.0 | None | N/A | No | 7.875% | 2 | 0 | 0 | 3 | 0 | No | XXXX | $50,674.98 | 14.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 4.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53542676 | N/A | No | No | XXXX | 6.360% | $299.46 | $299.46 | 6.375% | No | No | US Citizen | 1 | XXXX | $915.96 | XXXX | $76.33 | 0.000% | 0.000% | 0.000% | XXXX | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXX | $102,648.03 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 149.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57445311 | N/A | No | No | XXXX | 7.814% | $570.99 | $570.99 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,188.96 | XXXX | $99.08 | 0.000% | 0.000% | 0.000% | XXXX | 663 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58549700 | N/A | No | No | XXXX | 7.348% | $475.18 | $475.18 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,008.96 | XXXX | $84.08 | 0.000% | 0.000% | 0.000% | XXXX | 713 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,440.00 | 6.100% | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56736927 | Non QM | Yes | No | XXXX | XXXX | 7.500% | $1,661.08 | $1,661.08 | 7.375% | No | No | Employed | US Citizen | $2,673.71 | 1 | XXXX | $3,795.00 | XXXX | $316.25 | 49.072% | 49.072% | 49.072% | XXXX | 655 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 1 | 2 | 5 | XXXX | $1,713.00 | 6.100% | $0.00 | 2.4 | None | Yes | No | 7.375% | 1 | 1 | 0 | 2 | 0 | 0.00 | No | XXXX | $388,361.72 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 89.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52846060 | N/A | No | No | XXXX | 7.348% | $528.37 | $528.37 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,020.00 | XXXX | $85.00 | 0.000% | 0.000% | 0.000% | XXXX | 713 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,256.75 | 6.100% | $0.00 | 2.2 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58642638 | N/A | No | No | XXXX | 7.721% | $440.59 | $440.59 | 7.750% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $900.00 | XXXX | $75.00 | 0.000% | 0.000% | 0.000% | XXXX | 713 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,906.50 | 6.100% | $0.00 | 1.9 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53643899 | Non QM | Yes | No | XXXX | XXXX | 6.245% | $7,898.94 | $7,898.94 | 6.125% | No | No | Self-Employed | US Citizen | $17,013.60 | 1 | XXXX | $2,055.96 | XXXX | $171.33 | 47.554% | 47.554% | 47.554% | XXXX | 706 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $3,945.00 | 6.100% | $0.00 | 2.9 | None | No | No | 6.125% | 0 | 2 | 0 | 2 | 2 | 12.00 | No | XXXX | $104,649.88 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57647836 | N/A | No | No | XXXX | 7.349% | $1,626.38 | $1,626.38 | 7.374% | No | No | US Citizen | 1 | XXXX | $1,559.16 | XXXX | $129.93 | 0.000% | 0.000% | 0.000% | XXXX | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.230% | $0.00 | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 88.98 | Yes | 23.990% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54786402 | N/A | No | No | XXXX | 6.996% | $4,091.61 | $4,091.61 | 7.000% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,170.96 | XXXX | $97.58 | 0.000% | 0.000% | 0.000% | XXXX | 706 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $24,600.00 | 5.990% | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXX | $367,129.42 | 41.710% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59171171 | N/A | No | No | XXXX | 6.590% | $1,243.74 | $1,243.74 | 6.625% | No | No | US Citizen | US Citizen | 1 | XXXX | $3,137.16 | XXXX | $261.43 | 0.000% | 0.000% | 0.000% | XXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,769.60 | 5.980% | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXX | $133,036.46 | 54.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50992714 | N/A | No | No | XXXX | 6.103% | $510.39 | $510.39 | 6.125% | No | No | US Citizen | 1 | XXXX | $1,377.12 | XXXX | $114.76 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,520.00 | 6.100% | $0.00 | 2.6 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.61 | XXXX | $14,311.94 | 13.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58624054 | N/A | No | No | XXXX | 7.839% | $797.58 | $797.58 | 7.875% | No | No | US Citizen | 1 | XXXX | $2,515.80 | XXXX | $209.65 | 0.000% | 0.000% | 0.000% | XXXX | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.7 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58700788 | N/A | No | No | XXXX | 9.786% | $451.54 | $451.54 | 9.875% | No | No | US Citizen | 1 | XXXX | $1,816.20 | XXXX | $151.35 | 0.000% | 0.000% | 0.000% | XXXX | 680 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 1.6 | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.69 | XXXX | $212,461.27 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 300.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51592814 | N/A | No | No | XXXX | 6.565% | $525.48 | $525.48 | 6.574% | No | No | US Citizen | 1 | XXXX | $749.04 | XXXX | $62.42 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.8 | N/A | No | 6.574% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | XXXX | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 98.41 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54532299 | N/A | No | No | XXXX | 7.868% | $411.84 | $411.84 | 7.875% | No | No | US Citizen | 1 | XXXX | $2,383.68 | XXXX | $198.64 | 0.000% | 0.000% | 0.000% | XXXX | 714 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | XXXX | $13,448.77 | 18.940% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54851608 | Non QM | Yes | No | XXXX | XXXX | 6.098% | $1,648.76 | $1,648.76 | 6.000% | No | No | Employed | US Citizen | $8,106.45 | 1 | XXXX | $1,125.00 | XXXX | $93.75 | 37.683% | 37.683% | 37.683% | XXXX | 808 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $2,045.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 6.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $199,583.09 | 36.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.17 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58873254 | N/A | No | No | XXXX | 7.721% | $521.19 | $521.19 | 7.750% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,034.04 | XXXX | $86.17 | 0.000% | 0.000% | 0.000% | XXXX | 713 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,255.25 | 6.130% | $0.00 | 2.6 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55259461 | N/A | No | No | XXXX | XXXX | 7.990% | $1,114.26 | $1,114.26 | 7.990% | No | No | US Citizen | 2 | XXXX | $1,720.08 | XXXX | $143.34 | 0.000% | 0.000% | 0.000% | XXXX | 695 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,560.00 | 6.100% | $19,950.00 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | XXXX | $2,000.00 | 1.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55990550 | N/A | No | No | XXXX | 6.472% | $551.16 | $551.16 | 6.500% | No | No | US Citizen | US Citizen | 1 | XXXX | $2,552.04 | XXXX | $212.67 | 0.000% | 0.000% | 0.000% | XXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.6 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | $38,221.09 | 35.060% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53181731 | N/A | No | No | XXXX | 5.960% | $254.21 | $254.21 | 6.000% | No | No | US Citizen | US Citizen | 1 | XXXX | $897.24 | XXXX | $74.77 | 0.000% | 0.000% | 0.000% | XXXX | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.0 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.15 | 0.46 | XXXX | $52,908.83 | 99.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 133.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51949809 | N/A | No | No | XXXX | 6.462% | $2,212.24 | $2,212.24 | 6.500% | No | No | US Citizen | 1 | XXXX | $1,212.00 | XXXX | $101.00 | 0.000% | 0.000% | 0.000% | XXXX | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $14,000.00 | 5.980% | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | $662,161.37 | 52.970% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51983587 | N/A | No | No | XXXX | 7.603% | $1,300.57 | $1,300.57 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,760.04 | XXXX | $146.67 | 0.000% | 0.000% | 0.000% | XXXX | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,350.00 | 5.990% | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 56.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53874950 | N/A | No | No | XXXX | 7.816% | $938.06 | $938.06 | 7.875% | No | No | US Citizen | 1 | XXXX | $2,640.84 | XXXX | $220.07 | 0.000% | 0.000% | 0.000% | XXXX | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54198852 | N/A | No | No | XXXX | 8.226% | $1,436.80 | $1,436.80 | 8.250% | No | No | US Citizen | 1 | XXXX | $2,988.00 | XXXX | $249.00 | 0.000% | 0.000% | 0.000% | XXXX | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,562.50 | 6.060% | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.55 | 0.39 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52916107 | N/A | No | No | XXXX | 6.840% | $1,034.66 | $1,034.66 | 6.875% | No | No | US Citizen | 1 | XXXX | $932.04 | XXXX | $77.67 | 0.000% | 0.000% | 0.000% | XXXX | 686 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 2.4 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58995335 | N/A | No | No | XXXX | 7.344% | $543.91 | $543.91 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,002.96 | XXXX | $83.58 | 0.000% | 0.000% | 0.000% | XXXX | 713 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,937.50 | 6.100% | $0.00 | 3.1 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51569455 | N/A | No | No | XXXX | 6.696% | $656.71 | $656.71 | 6.750% | No | No | US Citizen | 1 | XXXX | $849.96 | XXXX | $70.83 | 0.000% | 0.000% | 0.000% | XXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,037.50 | 6.100% | $0.00 | 1.5 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53327868 | N/A | No | No | XXXX | 7.460% | $681.73 | $681.73 | 7.500% | No | No | US Citizen | 2 | XXXX | $1,016.04 | XXXX | $84.67 | 0.000% | 0.000% | 0.000% | XXXX | 686 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 97.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57048185 | N/A | No | No | XXXX | 7.496% | $1,402.80 | $1,402.80 | 7.500% | No | No | US Citizen | 1 | XXXX | $909.96 | XXXX | $75.83 | 0.000% | 0.000% | 0.000% | XXXX | 663 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.8 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXX | $21,156.02 | 7.900% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59114888 | Non QM | Yes | No | XXXX | XXXX | 6.746% | $2,880.78 | $2,880.78 | 6.625% | No | No | Self-Employed | US Citizen | $4,467.33 | 1 | XXXX | $702.00 | XXXX | $58.50 | 44.758% | 44.758% | 44.758% | XXXX | 766 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $4,285.57 | 6.100% | $0.00 | 1.1 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $331,034.76 | 51.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53480679 | Non QM | Yes | No | XXXX | XXXX | 6.089% | $5,910.93 | $5,910.93 | 5.999% | No | No | Self-Employed | US Citizen | $285,021.44 | 1 | XXXX | $2,405.16 | XXXX | $200.43 | 2.939% | 2.939% | 2.939% | XXXX | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $7,899.99 | 6.130% | $0.00 | 1.0 | None | No | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $1,043,211.74 | 55.310% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.19 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59092511 | N/A | No | No | XXXX | 7.496% | $3,749.54 | $3,749.54 | 7.500% | No | No | US Citizen | 1 | XXXX | $4,893.48 | XXXX | $407.79 | 0.000% | 0.000% | 0.000% | XXXX | 680 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $26,812.50 | 5.990% | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 114.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55110691 | N/A | No | No | XXXX | 7.693% | $338.50 | $338.50 | 7.750% | No | No | US Citizen | 1 | XXXX | $921.96 | XXXX | $76.83 | 0.000% | 0.000% | 0.000% | XXXX | 699 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.14 | 0.47 | XXXX | $5,644.81 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53879274 | N/A | No | No | XXXX | 7.843% | $725.07 | $725.07 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,203.96 | XXXX | $100.33 | 0.000% | 0.000% | 0.000% | XXXX | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 2.5 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | XXXX | $916.75 | 0.730% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 107.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58404773 | N/A | No | No | XXXX | 8.870% | $2,367.04 | $2,367.04 | 8.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,032.24 | XXXX | $86.02 | 0.000% | 0.000% | 0.000% | XXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.24 | XXXX | $983,193.62 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 236.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50107373 | N/A | No | No | XXXX | 6.464% | $1,133.03 | $1,133.03 | 6.500% | No | No | US Citizen | 1 | XXXX | $621.00 | XXXX | $51.75 | 0.000% | 0.000% | 0.000% | XXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,377.71 | 5.980% | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53729019 | N/A | No | No | XXXX | 6.840% | $483.50 | $483.50 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,070.04 | XXXX | $89.17 | 0.000% | 0.000% | 0.000% | XXXX | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $1,500.00 | 2.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | XXXX | $161,702.60 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 184.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57850721 | N/A | No | No | XXXX | XXXX | 7.220% | $945.98 | $945.98 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,941.72 | XXXX | $161.81 | 0.000% | 0.000% | 0.000% | XXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,552.40 | 6.100% | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51181460 | N/A | No | No | XXXX | 6.746% | $550.01 | $550.01 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,035.00 | XXXX | $86.25 | 0.000% | 0.000% | 0.000% | XXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,544.00 | 5.990% | $0.00 | 2.4 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.64 | XXXX | $39,821.32 | 37.560% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 36.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50139955 | N/A | No | No | XXXX | XXXX | 8.369% | $868.82 | $868.82 | 7.625% | No | No | Self-Employed | US Citizen | $11,977.65 | 1 | XXXX | $726.48 | XXXX | $60.54 | 24.212% | 24.212% | 24.212% | XXXX | 681 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,164.89 | 6.120% | $0.00 | 4.5 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $30,598.98 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.77 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53294974 | N/A | No | No | XXXX | 6.604% | $5,346.60 | $5,346.60 | 6.625% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | XXXX | $11,351.04 | XXXX | $945.92 | 0.000% | 0.000% | 0.000% | XXXX | 714 | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $41,750.00 | 6.170% | $0.00 | 2.9 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | XXXX | $172,279.95 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55309217 | N/A | No | No | XXXX | 6.625% | $4,104.39 | $4,104.39 | 6.625% | No | No | US Citizen | US Citizen | 4 | XXXX | $2,880.84 | XXXX | $240.07 | 0.000% | 0.000% | 0.000% | XXXX | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $32,050.00 | 6.250% | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.98 | 0.5 | XXXX | $187,256.19 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59242555 | N/A | No | No | XXXX | 6.495% | $1,252.11 | $1,252.11 | 6.500% | No | No | US Citizen | 1 | XXXX | $2,389.80 | XXXX | $199.15 | 0.000% | 0.000% | 0.000% | XXXX | 819 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,904.85 | 6.250% | $0.00 | 1.1 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXX | $568,292.14 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 220.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50667731 | N/A | No | No | XXXX | 6.112% | $1,342.82 | $1,342.82 | 6.125% | No | No | US Citizen | 1 | XXXX | $2,410.20 | XXXX | $200.85 | 0.000% | 0.000% | 0.000% | XXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $11,050.00 | 6.190% | $0.00 | 4.0 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | $316,415.35 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 124.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51600940 | N/A | No | No | XXXX | 7.226% | $2,387.62 | $2,387.62 | 7.250% | No | No | US Citizen | 1 | XXXX | $2,193.00 | XXXX | $182.75 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,343.75 | 6.060% | $0.00 | 1.9 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55564853 | N/A | No | No | XXXX | 6.109% | $2,424.37 | $2,424.37 | 6.125% | No | No | US Citizen | 1 | XXXX | $5,429.64 | XXXX | $452.47 | 0.000% | 0.000% | 0.000% | XXXX | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $19,950.00 | 6.060% | $0.00 | 1.9 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50202033 | N/A | No | No | XXXX | 6.085% | $1,433.96 | $1,433.96 | 6.125% | No | No | US Citizen | 1 | XXXX | $2,271.84 | XXXX | $189.32 | 0.000% | 0.000% | 0.000% | XXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $11,800.00 | 6.180% | $0.00 | 1.6 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXX | $54,400.04 | 18.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53384386 | N/A | No | No | XXXX | 6.245% | $2,438.24 | $2,438.24 | 6.250% | No | No | US Citizen | 1 | XXXX | $2,078.04 | XXXX | $173.17 | 0.000% | 0.000% | 0.000% | XXXX | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $19,800.00 | 6.060% | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | $187,733.15 | 37.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59897631 | N/A | No | No | XXXX | 6.590% | $575.00 | $575.00 | 6.625% | No | No | US Citizen | 2 | XXXX | $1,842.48 | XXXX | $153.54 | 0.000% | 0.000% | 0.000% | XXXX | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,694.00 | 5.990% | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXX | $80,200.31 | 71.280% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57864287 | Non QM | Yes | No | XXXX | XXXX | 7.319% | $985.31 | $985.31 | 7.125% | No | No | Employed | US Citizen | $5,442.58 | 1 | XXXX | $694.56 | XXXX | $57.88 | 43.939% | 43.939% | 43.939% | XXXX | 811 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $2,070.00 | 5.990% | $6,350.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $132,748.43 | 68.070% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54662790 | N/A | No | No | XXXX | 6.474% | $975.91 | $975.91 | 6.500% | No | No | Non-Permanent Resident Alien | 1 | XXXX | $1,475.04 | XXXX | $122.92 | 0.000% | 0.000% | 0.000% | XXXX | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,176.00 | 6.120% | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXX | $93,869.36 | 48.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55023948 | N/A | No | No | XXXX | 7.468% | $2,190.29 | $2,190.29 | 7.500% | No | No | US Citizen | 1 | XXXX | $5,257.80 | XXXX | $438.15 | 0.000% | 0.000% | 0.000% | XXXX | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $15,662.50 | 6.020% | $500.00 | 3.5 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXX | $318,599.16 | 71.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57184562 | Non QM | Yes | No | XXXX | XXXX | 8.774% | $6,932.80 | $6,932.80 | 8.750% | No | No | Self-Employed | US Citizen | $174,315.44 | 1 | XXXX | $2,601.00 | XXXX | $216.75 | 12.057% | 12.057% | 12.057% | XXXX | 645 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $16,250.00 | 5.990% | $0.00 | None | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 206.56 | Yes | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55019312 | N/A | No | No | XXXX | 6.494% | $3,792.01 | $3,792.01 | 6.499% | No | No | US Citizen | 2 | XXXX | $1,491.00 | XXXX | $124.25 | 0.000% | 0.000% | 0.000% | XXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | XXXX | $494,640.00 | 44.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56236954 | N/A | No | No | XXXX | 6.370% | $1,356.92 | $1,356.92 | 6.375% | No | No | US Citizen | 1 | XXXX | $765.00 | XXXX | $63.75 | 0.000% | 0.000% | 0.000% | XXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,546.25 | 6.100% | $5,000.00 | 2.1 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXX | $102,517.00 | 35.350% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 103.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52321657 | Non QM | Yes | No | XXXX | XXXX | 7.451% | $1,756.04 | $1,756.04 | 7.375% | No | No | Self-Employed | US Citizen | $5,507.30 | 1 | XXXX | $1,108.68 | XXXX | $92.39 | 34.234% | 34.234% | 34.234% | XXXX | 808 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | 5.990% | $8,475.00 | 3.2 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $49,023.24 | 17.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51037396 | N/A | No | No | XXXX | 8.066% | $891.00 | $891.00 | 8.125% | No | No | US Citizen | 1 | XXXX | $612.00 | XXXX | $51.00 | 0.000% | 0.000% | 0.000% | XXXX | 703 | No | No | DSCR | 1 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXX | $58,781.23 | 39.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50272725 | N/A | No | No | XXXX | 7.565% | $693.64 | $693.64 | 7.625% | No | No | US Citizen | 1 | XXXX | $920.16 | XXXX | $76.68 | 0.000% | 0.000% | 0.000% | XXXX | 658 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,940.00 | 5.990% | $0.00 | 2.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52511520 | N/A | No | No | XXXX | 7.441% | $494.34 | $494.34 | 7.500% | No | No | US Citizen | 1 | XXXX | $867.60 | XXXX | $72.30 | 0.000% | 0.000% | 0.000% | XXXX | 658 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,121.00 | 5.990% | $0.00 | 2.4 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58176204 | N/A | No | No | XXXX | 7.441% | $557.97 | $557.97 | 7.500% | No | No | US Citizen | 1 | XXXX | $873.00 | XXXX | $72.75 | 0.000% | 0.000% | 0.000% | XXXX | 658 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,394.00 | 5.990% | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55638750 | N/A | No | No | XXXX | 6.746% | $722.90 | $722.90 | 6.790% | No | No | US Citizen | 1 | XXXX | $852.96 | XXXX | $71.08 | 0.000% | 0.000% | 0.000% | XXXX | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,330.00 | 5.990% | $0.00 | 1.0 | Yes | No | 6.790% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57205537 | N/A | No | No | XXXX | 6.590% | $768.37 | $768.37 | 6.625% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,818.96 | XXXX | $151.58 | 0.000% | 0.000% | 0.000% | XXXX | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,180.00 | 5.980% | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | $662,769.63 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 636.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50783492 | N/A | No | No | XXXX | 9.372% | $1,509.63 | $1,509.63 | 9.375% | No | No | US Citizen | 1 | XXXX | $1,074.60 | XXXX | $89.55 | 0.000% | 0.000% | 0.000% | XXXX | 663 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,815.00 | 6.270% | $0.00 | 1.1 | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52976263 | N/A | No | No | XXXX | 7.246% | $2,349.42 | $2,349.42 | 7.250% | No | No | Permanent Resident Alien | 1 | XXXX | $2,151.00 | XXXX | $179.25 | 0.000% | 0.000% | 0.000% | XXXX | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 3.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | $266,530.22 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 138.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57578550 | N/A | No | No | XXXX | 6.877% | $953.33 | $953.33 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,278.60 | XXXX | $106.55 | 0.000% | 0.000% | 0.000% | XXXX | 814 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,320.00 | 5.980% | $0.00 | 1.9 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 240 | XXXX | $27,861.18 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50999243 | Non QM | Yes | No | XXXX | XXXX | 6.099% | $2,295.00 | $3,288.42 | 6.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $6,739.32 | 1 | XXXX | $1,314.96 | XXXX | $109.58 | 37.145% | 27.880% | 37.145% | XXXX | 811 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Year End Summary - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $5,129.48 | 5.990% | $0.00 | 1.2 | None | Yes | No | 6.000% | 2 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | 240 | XXXX | $43,605.16 | No | 26 | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50402012 | N/A | No | No | XXXX | 6.819% | $619.16 | $619.16 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,011.96 | XXXX | $84.33 | 0.000% | 0.000% | 0.000% | XXXX | 709 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.5 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53339672 | N/A | No | No | XXXX | 7.827% | $826.58 | $826.58 | 7.875% | No | No | Permanent Resident Alien | 1 | XXXX | $1,200.96 | XXXX | $100.08 | 0.000% | 0.000% | 0.000% | XXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 105.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57072345 | N/A | No | No | XXXX | 6.847% | $1,074.08 | $1,074.08 | 6.875% | No | No | US Citizen | 2 | XXXX | $1,065.72 | XXXX | $88.81 | 0.000% | 0.000% | 0.000% | XXXX | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.96 | 0.51 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50209903 | N/A | No | No | XXXX | 7.356% | $569.81 | $569.81 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,129.92 | XXXX | $94.16 | 0.000% | 0.000% | 0.000% | XXXX | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52707875 | N/A | No | No | XXXX | 7.690% | $990.08 | $990.08 | 7.750% | No | No | US Citizen | 1 | XXXX | $240.00 | XXXX | $20.00 | 0.000% | 0.000% | 0.000% | XXXX | 684 | No | No | DSCR | 1 | 0 | 0 | 0 | Yes | XXXX | $4,146.00 | 5.990% | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $47,813.31 | 27.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55849361 | N/A | No | No | XXXX | 6.464% | $1,764.73 | $1,764.73 | 6.500% | No | No | US Citizen | 1 | XXXX | $1,581.00 | XXXX | $131.75 | 0.000% | 0.000% | 0.000% | XXXX | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 4.9 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.22 | 0.45 | XXXX | $49,683.15 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51952653 | N/A | No | No | XXXX | XXXX | 6.513% | $2,745.03 | $2,745.03 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $14,548.85 | 1 | XXXX | $5,077.80 | XXXX | $423.15 | 32.144% | 32.144% | 32.144% | XXXX | 718 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $23,640.00 | 5.990% | $0.00 | 1.0 | None | No | No | 6.375% | 3 | 1 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $180,687.38 | 32.850% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.13 | No | No | $0.00 | $6,940.67 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52241485 | N/A | No | No | XXXX | 7.082% | $3,537.02 | $3,537.02 | 7.125% | No | No | US Citizen | US Citizen | 1 | XXXX | $4,087.80 | XXXX | $340.65 | 0.000% | 0.000% | 0.000% | XXXX | 686 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $21,000.00 | 5.990% | $5,000.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXX | $561,669.59 | 64.190% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54340396 | N/A | No | No | XXXX | XXXX | 6.885% | $1,350.38 | $1,350.38 | 6.750% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $15,239.18 | 1 | XXXX | $5,317.44 | XXXX | $443.12 | 36.385% | 36.385% | 36.385% | XXXX | 776 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $1,820.00 | 5.990% | $1,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXX | $336,362.72 | 72.490% | No | 26 | Yes | Commitment | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.53 | No | No | $16,503.92 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50668019 | N/A | No | No | XXXX | 7.481% | $1,178.18 | $1,178.18 | 7.500% | No | No | US Citizen | 1 | XXXX | $6,105.00 | XXXX | $508.75 | 0.000% | 0.000% | 0.000% | XXXX | 640 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50568988 | N/A | No | No | XXXX | 7.565% | $770.08 | $770.08 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,684.20 | XXXX | $140.35 | 0.000% | 0.000% | 0.000% | XXXX | 694 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $2,500.00 | 1.5 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXX | $18,859.50 | 13.860% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54622502 | N/A | No | No | XXXX | 9.422% | $1,278.10 | $1,278.10 | 9.500% | No | No | US Citizen | 1 | XXXX | $3,474.96 | XXXX | $289.58 | 0.000% | 0.000% | 0.000% | XXXX | 680 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.3 | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXX | $69,036.02 | 36.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.17 | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57474876 | Non QM | Yes | No | XXXX | XXXX | 7.500% | $2,201.31 | $2,201.31 | 7.374% | No | No | Employed | US Citizen | $4,593.99 | 1 | XXXX | $1,485.12 | XXXX | $123.76 | 44.595% | 44.595% | 44.595% | XXXX | 807 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $10,560.63 | 5.990% | $11,250.00 | 1.0 | None | Yes | No | 7.374% | 2 | 0 | 0 | 4 | 2 | 0.00 | No | XXXX | $142,338.93 | 37.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56654377 | N/A | No | No | XXXX | 6.620% | $984.48 | $984.48 | 6.625% | No | No | US Citizen | 2 | XXXX | $767.04 | XXXX | $63.92 | 0.000% | 0.000% | 0.000% | XXXX | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXX | $2,000.00 | 0.970% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57473320 | N/A | No | No | XXXX | 7.107% | $555.82 | $555.82 | 7.125% | No | No | US Citizen | US Citizen | 2 | XXXX | $803.04 | XXXX | $66.92 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,125.00 | 5.990% | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | $145,002.46 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 136.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53302091 | N/A | No | No | XXXX | 5.954% | $1,239.27 | $1,239.27 | 6.000% | No | No | US Citizen | 2 | XXXX | $2,130.00 | XXXX | $177.50 | 0.000% | 0.000% | 0.000% | XXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $10,335.00 | 5.980% | $0.00 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.61 | XXXX | $106,125.27 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 63.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58200674 | N/A | No | No | XXXX | 8.853% | $808.57 | $808.57 | 8.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,023.00 | XXXX | $85.25 | 0.000% | 0.000% | 0.000% | XXXX | 659 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | XXXX | $54,320.92 | 40.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57964700 | Non QM | Yes | No | XXXX | XXXX | 6.294% | $5,541.45 | $5,541.45 | 6.250% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $49,699.13 | 1 | XXXX | $3,032.04 | XXXX | $252.67 | 22.219% | 22.219% | 22.219% | XXXX | 723 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,640.00 | 5.990% | $0.00 | 2.6 | None | Yes | No | 6.250% | 3 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $2,710,009.41 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 255.3 | No | No | $46,574.63 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52934868 | N/A | No | No | XXXX | 6.368% | $3,181.74 | $3,181.74 | 6.375% | No | No | US Citizen | US Citizen | 1 | XXXX | $2,025.96 | XXXX | $168.83 | 0.000% | 0.000% | 0.000% | XXXX | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $13,005.00 | 6.130% | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXX | $104,783.02 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53787191 | N/A | No | No | XXXX | 6.834% | $325.84 | $325.84 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,352.04 | XXXX | $112.67 | 0.000% | 0.000% | 0.000% | XXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $3,720.00 | 2.5 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.23 | 0.45 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51499747 | N/A | No | No | XXXX | 7.932% | $616.30 | $616.30 | 7.999% | No | No | US Citizen | 1 | XXXX | $951.96 | XXXX | $79.33 | 0.000% | 0.000% | 0.000% | XXXX | 675 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.0 | Yes | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.44 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52103364 | N/A | No | No | XXXX | 6.705% | $1,125.00 | $1,125.00 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,292.04 | XXXX | $107.67 | 0.000% | 0.000% | 0.000% | XXXX | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,000.00 | 5.990% | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | XXXX | $114,045.50 | 45.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51323790 | N/A | No | No | XXXX | 6.483% | $2,616.49 | $2,616.49 | 6.499% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,100.04 | XXXX | $91.67 | 0.000% | 0.000% | 0.000% | XXXX | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $10,762.34 | 5.990% | $12,000.00 | 2.2 | No | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXX | $417,870.72 | 58.520% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52875736 | N/A | No | No | XXXX | 7.383% | $621.61 | $621.61 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,689.12 | XXXX | $140.76 | 0.000% | 0.000% | 0.000% | XXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | No | 20.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57938211 | N/A | No | No | XXXX | 7.322% | $543.91 | $543.91 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,683.96 | XXXX | $140.33 | 0.000% | 0.000% | 0.000% | XXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.7 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.57 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | No | 37.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57204816 | N/A | No | No | XXXX | 7.593% | $679.48 | $679.48 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,681.80 | XXXX | $140.15 | 0.000% | 0.000% | 0.000% | XXXX | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | $1,200.00 | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | FICO Risk Score Classic 04 | 60.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54615344 | N/A | No | No | XXXX | 7.240% | $703.95 | $703.95 | 7.250% | No | No | US Citizen | 1 | XXXX | $992.04 | XXXX | $82.67 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,031.92 | 6.220% | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.95 | 0.51 | XXXX | $325,426.67 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 312.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53687373 | N/A | No | No | XXXX | 8.370% | $721.58 | $721.58 | 8.375% | No | No | US Citizen | 1 | XXXX | $2,193.96 | XXXX | $182.83 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $949.36 | 5.990% | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXX | $322,626.67 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 223.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57423223 | N/A | No | No | XXXX | 8.363% | $583.55 | $583.55 | 8.375% | No | No | US Citizen | 1 | XXXX | $1,146.96 | XXXX | $95.58 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $767.75 | 5.990% | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXX | $22,322.91 | 23.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56922931 | N/A | No | No | XXXX | 8.363% | $501.85 | $501.85 | 8.375% | No | No | US Citizen | 1 | XXXX | $1,101.96 | XXXX | $91.83 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $660.27 | 5.990% | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXX | $322,626.67 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 363.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55107672 | N/A | No | No | XXXX | 8.482% | $724.07 | $724.07 | 8.500% | No | No | US Citizen | 1 | XXXX | $2,765.04 | XXXX | $230.42 | 0.000% | 0.000% | 0.000% | XXXX | 672 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 3.550% | $0.00 | 1.0 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | $189,764.27 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 178 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55168075 | Non QM | Yes | No | XXXX | XXXX | 6.049% | $4,500.00 | $6,447.88 | 6.000% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $20,242.87 | 1 | XXXX | $5,343.00 | XXXX | $445.25 | 31.093% | 24.463% | 31.093% | XXXX | 757 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $4,250.00 | 5.990% | $0.00 | 1.0 | None | Yes | No | 6.000% | 0 | 0 | 2 | 0 | 3 | 2 | 12.00 | No | 240 | XXXX | $362,173.40 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.37 | No | No | $21,007.58 | $0.00 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59337911 | Non QM | Yes | No | XXXX | XXXX | 6.330% | $2,757.64 | $2,757.64 | 5.999% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,724.23 | 1 | XXXX | $1,371.00 | XXXX | $114.25 | 44.060% | 44.060% | 44.060% | XXXX | 804 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $13,535.20 | 6.100% | $11,490.00 | 2.4 | None | No | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 120 | XXXX | $1,829,940.52 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.21 | No | No | $8,987.66 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57934654 | N/A | No | No | XXXX | 5.986% | $759.47 | $759.47 | 5.999% | No | No | US Citizen | 1 | XXXX | $777.96 | XXXX | $64.83 | 0.000% | 0.000% | 0.000% | XXXX | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,290.94 | 5.980% | $0.00 | 3.0 | Yes | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.69 | 240 | XXXX | $420,215.70 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 410.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55104459 | N/A | No | No | XXXX | 5.987% | $600.09 | $600.09 | 5.999% | No | No | US Citizen | 1 | XXXX | $534.00 | XXXX | $44.50 | 0.000% | 0.000% | 0.000% | XXXX | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,942.44 | 5.980% | $0.00 | 1.0 | Yes | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | $111,472.90 | 77.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 67.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51076165 | N/A | No | No | XXXX | 8.487% | $450.68 | $450.68 | 8.500% | No | No | US Citizen | 1 | XXXX | $1,182.96 | XXXX | $98.58 | 0.000% | 0.000% | 0.000% | XXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $586.13 | 5.990% | $0.00 | 1.0 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXX | $328,501.48 | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 412.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 18 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54074040 | N/A | No | No | XXXX | 8.113% | $584.72 | $584.72 | 8.125% | No | No | US Citizen | 2 | XXXX | $1,065.00 | XXXX | $88.75 | 0.000% | 0.000% | 0.000% | XXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.43 | 0.41 | XXXX | $36,819.95 | 35.060% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59136124 | N/A | No | No | XXXX | 7.204% | $347.91 | $347.91 | 7.250% | No | No | US Citizen | 1 | XXXX | $878.04 | XXXX | $73.17 | 0.000% | 0.000% | 0.000% | XXXX | 673 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.2 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.12 | 0.47 | XXXX | $43,182.74 | 63.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 14 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50422041 | N/A | No | No | XXXX | 6.847% | $689.78 | $689.78 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,665.48 | XXXX | $138.79 | 0.000% | 0.000% | 0.000% | XXXX | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,150.00 | 5.990% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 98.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58678660 | N/A | No | No | XXXX | 6.956% | $1,037.87 | $1,037.87 | 7.000% | No | No | US Citizen | 2 | XXXX | $1,746.96 | XXXX | $145.58 | 0.000% | 0.000% | 0.000% | XXXX | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $2,000.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.56 | XXXX | $15,330.53 | 7.860% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56639049 | Non QM | Yes | No | XXXX | XXXX | 8.723% | $21,182.45 | $21,182.45 | 8.375% | No | No | Self-Employed | Permanent Resident Alien | $40,262.42 | 1 | XXXX | $3,492.00 | XXXX | $291.00 | 41.581% | 41.581% | 41.581% | XXXX | 720 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | XXXX | $76,530.38 | 6.120% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 3 | 0 | No | XXXX | $947,762.49 | 30.570% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 20.59 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58809407 | N/A | No | No | XXXX | 6.621% | $1,152.56 | $1,152.56 | 6.625% | No | No | US Citizen | 1 | XXXX | $1,760.04 | XXXX | $146.67 | 0.000% | 0.000% | 0.000% | XXXX | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,000.00 | 5.980% | $0.00 | 1.9 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51618321 | N/A | No | No | XXXX | 6.969% | $677.61 | $677.61 | 7.000% | No | No | US Citizen | 1 | XXXX | $1,150.56 | XXXX | $95.88 | 0.000% | 0.000% | 0.000% | XXXX | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,092.50 | 6.250% | $0.00 | 2.9 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXX | $86,752.83 | 59.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 38.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58203455 | N/A | No | No | XXXX | 6.104% | $2,977.29 | $2,977.29 | 6.125% | No | No | US Citizen | 1 | XXXX | $1,586.04 | XXXX | $132.17 | 0.000% | 0.000% | 0.000% | XXXX | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $14,700.00 | 6.100% | $0.00 | 1.9 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53026437 | N/A | No | No | XXXX | 7.212% | $1,186.99 | $1,186.99 | 7.250% | No | No | US Citizen | 2 | XXXX | $1,008.00 | XXXX | $84.00 | 0.000% | 0.000% | 0.000% | XXXX | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51311055 | N/A | No | No | XXXX | 8.113% | $909.56 | $909.56 | 8.125% | No | No | US Citizen | 1 | XXXX | $915.96 | XXXX | $76.33 | 0.000% | 0.000% | 0.000% | XXXX | 652 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,675.00 | 5.990% | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 94.59 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55737058 | N/A | No | No | XXXX | 8.370% | $483.15 | $483.15 | 8.375% | No | No | US Citizen | 1 | XXXX | $695.04 | XXXX | $57.92 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $635.66 | 5.990% | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | XXXX | $296,153.72 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 434.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51989631 | N/A | No | No | XXXX | XXXX | 6.148% | $8,299.96 | $8,299.96 | 6.125% | No | No | Employed | US Citizen | $25,954.52 | 1 | XXXX | $8,936.04 | XXXX | $744.67 | 37.382% | 37.382% | 37.382% | XXXX | 787 | Yes | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $70,170.00 | 5.990% | $0.00 | 2.2 | None | N/A | No | 6.125% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | XXXX | $1,588,481.78 | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.02 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57687705 | N/A | No | No | XXXX | XXXX | 6.417% | $4,741.41 | $4,741.41 | 6.375% | No | No | Employed | US Citizen | $29,315.06 | 1 | XXXX | $3,200.04 | XXXX | $266.67 | 35.947% | 35.947% | 35.947% | XXXX | 787 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $32,320.00 | 5.990% | $0.00 | 3.4 | None | Yes | No | 6.375% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $2,169,800.10 | 100.000% | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 362.39 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56206501 | N/A | No | No | XXXX | 8.487% | $412.60 | $412.60 | 8.500% | No | No | US Citizen | 1 | XXXX | $1,167.96 | XXXX | $97.33 | 0.000% | 0.000% | 0.000% | XXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $536.60 | 5.990% | $0.00 | 1.0 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.62 | XXXX | $353,513.68 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 440.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 17 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50205091 | N/A | No | No | XXXX | 7.358% | $718.30 | $718.30 | 7.375% | No | No | US Citizen | 2 | XXXX | $1,142.88 | XXXX | $95.24 | 0.000% | 0.000% | 0.000% | XXXX | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.5 | 0.4 | XXXX | $55,190.12 | 42.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53561549 | Non QM | Yes | No | XXXX | XXXX | 9.217% | $5,883.79 | $5,883.79 | 8.875% | No | No | Self-Employed | US Citizen | $83,649.72 | 1 | XXXX | $2,307.96 | XXXX | $192.33 | 9.560% | 9.560% | 9.560% | XXXX | 649 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $19,999.78 | 5.990% | $10,000.00 | 2.6 | None | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.55 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55397026 | N/A | No | No | XXXX | 6.108% | $2,448.67 | $2,448.67 | 6.125% | No | No | US Citizen | US Citizen | 1 | XXXX | $2,805.84 | XXXX | $233.82 | 0.000% | 0.000% | 0.000% | XXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,150.00 | 6.100% | $0.00 | 1.0 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52124503 | N/A | No | No | XXXX | 6.224% | $2,370.51 | $2,370.51 | 6.250% | No | No | US Citizen | 4 | XXXX | $2,460.96 | XXXX | $205.08 | 0.000% | 0.000% | 0.000% | XXXX | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $19,250.00 | 6.220% | $0.00 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.38 | 0.42 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 64.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54720596 | N/A | No | No | XXXX | 7.574% | $859.89 | $859.89 | 7.624% | No | No | US Citizen | 1 | XXXX | $543.96 | XXXX | $45.33 | 0.000% | 0.000% | 0.000% | XXXX | 672 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,860.00 | 5.990% | $0.00 | 1.0 | Yes | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXX | $28,425.54 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54284715 | N/A | No | No | XXXX | 6.101% | $1,871.44 | $1,871.44 | 6.125% | No | No | Permanent Resident Alien | 1 | XXXX | $1,271.04 | XXXX | $105.92 | 0.000% | 0.000% | 0.000% | XXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $15,400.00 | 5.990% | $0.00 | 1.0 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | $84,800.00 | 22.020% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53166764 | N/A | No | No | XXXX | XXXX | 6.230% | $2,586.01 | $2,586.01 | 6.250% | No | No | US Citizen | 3 | XXXX | $4,005.00 | XXXX | $333.75 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $10,500.00 | 5.980% | $25,000.00 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | $130,515.88 | 24.860% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56636407 | N/A | No | No | XXXX | 6.708% | $3,729.44 | $3,729.44 | 6.750% | No | No | US Citizen | 1 | XXXX | $3,135.12 | XXXX | $261.26 | 0.000% | 0.000% | 0.000% | XXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 3.1 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXX | $590,116.21 | 53.640% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 105.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54829700 | N/A | No | No | XXXX | 6.734% | $835.39 | $835.39 | 6.750% | No | No | Non-Permanent Resident Alien | 2 | XXXX | $1,803.96 | XXXX | $150.33 | 0.000% | 0.000% | 0.000% | XXXX | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,152.00 | 5.980% | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXX | $262,030.32 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 178.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54568149 | N/A | No | No | XXXX | 6.616% | $1,632.79 | $1,632.79 | 6.625% | No | No | US Citizen | US Citizen | 2 | XXXX | $1,396.20 | XXXX | $116.35 | 0.000% | 0.000% | 0.000% | XXXX | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55217283 | N/A | No | No | XXXX | 6.084% | $1,572.19 | $1,572.19 | 6.125% | No | No | US Citizen | 1 | XXXX | $2,058.96 | XXXX | $171.58 | 0.000% | 0.000% | 0.000% | XXXX | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $12,937.50 | 5.980% | $0.00 | 3.2 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 46.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59216482 | N/A | No | No | XXXX | 6.364% | $510.00 | $510.00 | 6.375% | No | No | US Citizen | 1 | XXXX | $1,054.92 | XXXX | $87.91 | 0.000% | 0.000% | 0.000% | XXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,800.00 | 5.980% | $0.00 | 2.3 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | 240 | XXXX | $7,391.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58628689 | N/A | No | No | XXXX | 6.355% | $1,480.44 | $1,480.44 | 6.375% | No | No | Permanent Resident Alien | 1 | XXXX | $1,550.04 | XXXX | $129.17 | 0.000% | 0.000% | 0.000% | XXXX | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $11,865.00 | 5.980% | $0.00 | 1.9 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57489180 | N/A | No | No | XXXX | XXXX | 8.610% | $760.66 | $760.66 | 8.250% | No | No | US Citizen | US Citizen | 1 | XXXX | $330.96 | XXXX | $27.58 | 0.000% | 0.000% | 0.000% | XXXX | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,792.89 | 5.980% | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXX | $116,269.80 | 86.120% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 44.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56826312 | N/A | No | No | XXXX | 6.221% | $1,342.26 | $1,342.26 | 6.250% | No | No | US Citizen | 1 | XXXX | $906.12 | XXXX | $75.51 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $10,900.00 | 5.980% | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59978583 | N/A | No | No | XXXX | 8.325% | $1,428.94 | $1,428.94 | 8.375% | No | No | US Citizen | 2 | XXXX | $1,835.04 | XXXX | $152.92 | 0.000% | 0.000% | 0.000% | XXXX | 700 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXX | $104,169.13 | 44.320% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55742490 | Non QM | Yes | No | XXXX | XXXX | 9.899% | $5,659.68 | $5,659.68 | 9.750% | No | No | Self-Employed | US Citizen | $24,650.89 | 1 | XXXX | $2,432.04 | XXXX | $202.67 | 36.085% | 36.085% | 36.085% | XXXX | 663 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $8,207.50 | 5.980% | $30,000.00 | 1.0 | None | No | No | 9.750% | 0 | 2 | 0 | 2 | 2 | 13.00 | No | XXXX | $85,914.28 | 11.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58716672 | N/A | No | No | XXXX | 6.710% | $520.50 | $520.50 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,107.96 | XXXX | $92.33 | 0.000% | 0.000% | 0.000% | XXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,407.50 | 5.980% | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.91 | 0.52 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 98.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57759561 | N/A | No | No | XXXX | 7.473% | $524.41 | $524.41 | 7.500% | No | No | US Citizen | 1 | XXXX | $2,196.96 | XXXX | $183.08 | 0.000% | 0.000% | 0.000% | XXXX | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,250.00 | 6.140% | $0.00 | 1.2 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 82.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51781036 | Non QM | Yes | No | XXXX | XXXX | 7.619% | $2,760.07 | $2,760.07 | 7.240% | No | No | Self-Employed | US Citizen | $7,872.15 | 1 | XXXX | $3,698.52 | XXXX | $308.21 | 44.235% | 44.235% | 44.235% | XXXX | 799 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $13,569.65 | 5.980% | $5,000.00 | 1.0 | None | N/A | No | 7.240% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $121,132.95 | 26.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55179752 | N/A | No | No | XXXX | 7.232% | $573.03 | $573.03 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,326.96 | XXXX | $110.58 | 0.000% | 0.000% | 0.000% | XXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXX | $6,206.92 | 5.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52446193 | N/A | No | No | XXXX | 6.821% | $394.16 | $394.16 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $2,037.00 | XXXX | $169.75 | 0.000% | 0.000% | 0.000% | XXXX | 809 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | XXXX | $52,563.06 | 70.080% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52391589 | N/A | No | No | XXXX | 5.988% | $2,626.03 | $2,626.03 | 6.000% | No | No | US Citizen | 1 | XXXX | $3,284.04 | XXXX | $273.67 | 0.000% | 0.000% | 0.000% | XXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $21,900.00 | 5.980% | $0.00 | 1.0 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50403768 | N/A | No | No | XXXX | 5.988% | $2,626.03 | $2,626.03 | 6.000% | No | No | US Citizen | 1 | XXXX | $2,121.84 | XXXX | $176.82 | 0.000% | 0.000% | 0.000% | XXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $21,900.00 | 5.980% | $0.00 | 1.0 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXX | $243,329.57 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 79.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51289408 | N/A | No | No | XXXX | 5.251% | $985.66 | $985.66 | 6.000% | No | No | US Citizen | 1 | XXXX | $800.16 | XXXX | $66.68 | 0.000% | 0.000% | 0.000% | XXXX | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,220.00 | 5.980% | $0.00 | 1.0 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.77 | XXXX | $104,226.90 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59067309 | N/A | No | No | XXXX | 5.977% | $899.33 | $899.33 | 6.000% | No | No | US Citizen | 1 | XXXX | $2,145.96 | XXXX | $178.83 | 0.000% | 0.000% | 0.000% | XXXX | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,500.00 | 5.980% | $0.00 | 1.0 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | $134,826.52 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52615998 | N/A | No | No | XXXX | 6.224% | $1,154.47 | $1,154.47 | 6.250% | No | No | US Citizen | 1 | XXXX | $636.00 | XXXX | $53.00 | 0.000% | 0.000% | 0.000% | XXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.370% | $0.00 | 5.0 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.8 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 141.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58607792 | N/A | No | No | XXXX | 6.474% | $948.10 | $948.10 | 6.500% | No | No | US Citizen | US Citizen | 1 | XXXX | $2,167.32 | XXXX | $180.61 | 0.000% | 0.000% | 0.000% | XXXX | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.2 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52632559 | N/A | No | No | XXXX | 7.332% | $359.15 | $359.15 | 7.375% | No | No | US Citizen | 1 | XXXX | $627.96 | XXXX | $52.33 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 3.8 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.99 | 0.5 | XXXX | $28,368.43 | 43.640% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52822834 | N/A | No | No | XXXX | XXXX | 6.106% | $1,403.16 | $1,403.16 | 6.125% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,212.72 | XXXX | $101.06 | 0.000% | 0.000% | 0.000% | XXXX | 681 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,237.20 | 5.980% | $10,000.00 | 1.0 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXX | $5,000.00 | 1.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50430329 | Non QM | Yes | No | XXXX | XXXX | 7.092% | $1,445.24 | $1,445.24 | 6.875% | No | No | Self-Employed | US Citizen | $17,890.07 | 1 | XXXX | $2,214.00 | XXXX | $184.50 | 14.192% | 14.192% | 14.192% | XXXX | 752 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $3,895.00 | 6.190% | $0.00 | 4.1 | None | N/A | No | 6.875% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635822 | Non QM | Yes | No | XXXX | XXXX | 6.443% | $2,869.80 | $2,869.80 | 6.375% | No | No | Self-Employed | US Citizen | $12,410.81 | 1 | XXXX | $2,319.00 | XXXX | $193.25 | 22.157% | 22.157% | 22.157% | XXXX | 783 | No | Yes | 12 | Business | 100.000% | 30.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2013 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,545.00 | 6.190% | $0.00 | 3.3 | None | N/A | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 57.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50316962 | Non QM | Yes | No | XXXX | XXXX | 10.036% | $2,818.03 | $2,818.03 | 9.750% | No | No | Employed | Employed | US Citizen | US Citizen | $7,043.09 | 1 | XXXX | $4,029.00 | XXXX | $335.75 | 44.122% | 44.122% | 44.122% | XXXX | 648 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | 0 | XXXX | $7,714.36 | 6.220% | $0.00 | 1.1 | None | N/A | No | 9.750% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $72,060.95 | No | 6 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.34 | No | $0.00 | $3,270.80 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58635412 | Non QM | Yes | No | XXXX | XXXX | 7.706% | $2,097.64 | $2,097.64 | 7.500% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Brazil | Brazil | $4,382.72 | 1 | XXXX | $1,356.96 | XXXX | $113.08 | 43.395% | 43.395% | 43.395% | XXXX | 665 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $5,340.00 | 6.220% | $5,000.00 | 1.5 | None | N/A | No | 7.500% | 0 | 0 | 1 | 0 | 1 | 1 | 10.00 | No | XXXX | $180,233.01 | 45.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | VISA | VISA | 39.62 | No | $6,571.58 | $0.00 | Yes | Yes | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53359969 | N/A | No | No | XXXX | 8.872% | $614.64 | $614.64 | 8.875% | No | No | US Citizen | 1 | XXXX | $968.04 | XXXX | $80.67 | 0.000% | 0.000% | 0.000% | XXXX | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.0 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 76.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50523260 | N/A | No | No | XXXX | 8.360% | $1,100.58 | $1,100.58 | 8.375% | No | No | US Citizen | 2 | XXXX | $2,552.04 | XXXX | $212.67 | 0.000% | 0.000% | 0.000% | XXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,448.00 | 5.980% | $0.00 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.59 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56888955 | N/A | No | No | XXXX | 7.597% | $371.59 | $371.59 | 7.625% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $834.96 | XXXX | $69.58 | 0.000% | 0.000% | 0.000% | XXXX | 713 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,625.00 | 5.980% | $0.00 | 1.6 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.6 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57505981 | N/A | No | No | XXXX | 7.578% | $822.81 | $822.81 | 7.625% | No | No | US Citizen | 1 | XXXX | $282.48 | XXXX | $23.54 | 0.000% | 0.000% | 0.000% | XXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.3 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54300807 | Non QM | Yes | No | XXXX | XXXX | 6.128% | $3,914.90 | $5,550.48 | 6.125% | No | No | Employed | Employed | US Citizen | US Citizen | $17,794.30 | 1 | XXXX | $3,831.00 | XXXX | $319.25 | 32.640% | 26.448% | 32.640% | XXXX | 805 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $1,640.00 | 5.980% | $0.00 | 5.0 | None | Yes | No | 6.125% | 2 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | XXXX | $713,693.28 | No | 30 | 13 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.34 | No | $0.00 | $9,750.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57344437 | Non QM | Yes | No | XXXX | XXXX | 6.951% | $5,271.85 | $5,271.85 | 6.875% | No | No | Self-Employed | US Citizen | $11,244.97 | 1 | XXXX | $2,916.00 | XXXX | $243.00 | 37.150% | 37.150% | 37.150% | XXXX | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $5,409.63 | 6.060% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $7,511.54 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56045780 | N/A | No | No | XXXX | 7.475% | $402.75 | $402.75 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,535.04 | XXXX | $127.92 | 0.000% | 0.000% | 0.000% | XXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 5.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.53 | XXXX | $530,712.04 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 767.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51861710 | Non QM | Yes | No | XXXX | XXXX | 6.828% | $1,848.50 | $1,848.50 | 6.750% | No | No | Self-Employed | US Citizen | $23,671.69 | 1 | XXXX | $16,588.44 | XXXX | $1,382.37 | 22.430% | 22.430% | 22.430% | XXXX | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | XXXX | $1,495.00 | 5.980% | $0.00 | 1.8 | None | No | No | 6.750% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | $51,791.70 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58657930 | Non QM | Yes | No | XXXX | XXXX | 9.180% | $3,260.49 | $3,260.49 | 8.625% | No | No | Self-Employed | US Citizen | $8,607.36 | 1 | XXXX | $2,082.96 | XXXX | $173.58 | 42.618% | 42.618% | 42.618% | XXXX | 690 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $19,755.29 | 5.980% | $0.00 | 2.4 | None | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57882398 | N/A | No | No | XXXX | 8.469% | $635.79 | $635.79 | 8.500% | No | No | US Citizen | 1 | XXXX | $1,278.12 | XXXX | $106.51 | 0.000% | 0.000% | 0.000% | XXXX | 663 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $826.87 | 5.980% | $0.00 | 1.6 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXX | $41,217.63 | 37.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58515530 | N/A | No | No | XXXX | XXXX | 7.965% | $393.30 | $393.30 | 8.000% | No | No | US Citizen | 1 | XXXX | $1,233.00 | XXXX | $102.75 | 0.000% | 0.000% | 0.000% | XXXX | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $4,000.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | 0.56 | XXXX | $19,073.36 | 28.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50030597 | Non QM | Yes | No | XXXX | XXXX | 7.662% | $13,208.86 | $13,208.86 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $22,272.65 | 1 | XXXX | $3,896.40 | XXXX | $324.70 | 48.703% | 48.703% | 48.703% | XXXX | 771 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2026 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $26,430.54 | 5.980% | $0.00 | 1.0 | None | Yes | No | 7.500% | 3 | 2 | 3 | 0 | 3 | 1 | No | XXXX | $588,920.01 | 28.050% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.74 | Yes | No | $14,104.92 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53627484 | N/A | No | No | XXXX | 7.094% | $716.84 | $716.84 | 7.125% | No | No | US Citizen | 1 | XXXX | $1,389.96 | XXXX | $115.83 | 0.000% | 0.000% | 0.000% | XXXX | 714 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,064.00 | 5.980% | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.62 | XXXX | $119,923.33 | 90.160% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 91.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54295004 | N/A | No | No | XXXX | 6.548% | $1,616.79 | $1,616.79 | 6.583% | No | No | US Citizen | 1 | XXXX | $1,586.04 | XXXX | $132.17 | 0.000% | 0.000% | 0.000% | XXXX | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,608.00 | 5.980% | $0.00 | 2.3 | No | No | 6.583% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | XXXX | $75,957.38 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50005534 | N/A | No | No | XXXX | 7.481% | $833.81 | $833.81 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,261.92 | XXXX | $105.16 | 0.000% | 0.000% | 0.000% | XXXX | 664 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,962.50 | 6.020% | $1,980.00 | 3.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXX | $37,222.10 | 23.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.74 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58837626 | N/A | No | No | XXXX | 7.582% | $520.94 | $520.94 | 7.625% | No | No | US Citizen | US Citizen | 1 | XXXX | $2,914.08 | XXXX | $242.84 | 0.000% | 0.000% | 0.000% | XXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXX | $49,932.75 | 54.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52116536 | N/A | No | No | XXXX | XXXX | 6.725% | $555.51 | $555.51 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,185.96 | XXXX | $98.83 | 0.000% | 0.000% | 0.000% | XXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $7,000.00 | 1.1 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.35 | 0.42 | XXXX | $28,339.62 | 26.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54371021 | N/A | No | No | XXXX | 6.873% | $2,291.67 | $2,291.67 | 6.875% | No | No | US Citizen | 2 | XXXX | $2,055.60 | XXXX | $171.30 | 0.000% | 0.000% | 0.000% | XXXX | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,000.00 | 5.980% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | 240 | XXXX | $1,436,914.02 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 637.97 | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50777802 | N/A | No | No | XXXX | 6.360% | $2,922.83 | $2,922.83 | 6.375% | No | No | US Citizen | 1 | XXXX | $2,868.96 | XXXX | $239.08 | 0.000% | 0.000% | 0.000% | XXXX | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | 3.7 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58207838 | N/A | No | No | XXXX | 7.218% | $2,871.96 | $2,871.96 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,304.04 | XXXX | $108.67 | 0.000% | 0.000% | 0.000% | XXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $21,050.00 | 6.020% | $0.00 | 5.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58975482 | Non QM | Yes | No | XXXX | XXXX | 7.501% | $19,114.43 | $19,114.43 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $33,688.20 | 1 | XXXX | $16,578.48 | XXXX | $1,381.54 | 48.584% | 48.584% | 48.584% | XXXX | 776 | No | No | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $32,691.35 | 6.020% | $50,000.00 | 1.3 | None | No | No | 7.375% | 2 | 3 | 2 | 0 | 3 | 2 | No | XXXX | $709,080.07 | 23.050% | No | 36 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.87 | No | No | $0.00 | $15,475.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54460705 | Non QM | Yes | No | XXXX | XXXX | 6.144% | $8,948.24 | $8,948.24 | 6.125% | No | No | Self-Employed | US Citizen | $86,940.27 | 1 | XXXX | $4,187.04 | XXXX | $348.92 | 12.240% | 12.240% | 12.240% | XXXX | 757 | No | Yes | 48 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $1,875.00 | 5.980% | $0.00 | 1.8 | None | No | No | 6.125% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXX | $488,244.18 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58517216 | N/A | No | No | XXXX | 6.945% | $426.63 | $426.63 | 7.000% | No | No | US Citizen | 1 | XXXX | $1,204.80 | XXXX | $100.40 | 0.000% | 0.000% | 0.000% | XXXX | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,923.75 | 6.220% | $0.00 | 2.6 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 249.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55550151 | N/A | No | No | XXXX | 6.081% | $838.50 | $838.50 | 6.125% | No | No | US Citizen | 1 | XXXX | $1,720.44 | XXXX | $143.37 | 0.000% | 0.000% | 0.000% | XXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,140.00 | 5.980% | $0.00 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 47.31 | No | $0.00 | $0.00 | No | No | No | No | 11 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51995158 | N/A | No | No | XXXX | 7.825% | $1,805.42 | $1,805.42 | 7.875% | No | No | US Citizen | 4 | XXXX | $2,337.96 | XXXX | $194.83 | 0.000% | 0.000% | 0.000% | XXXX | 669 | No | No | DSCR | 1 | 0 | 0 | No | XXXX | 5.980% | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXX | $3,500.00 | 1.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58843321 | N/A | No | No | XXXX | 6.224% | $2,395.14 | $2,395.14 | 6.250% | No | No | US Citizen | 1 | XXXX | $3,033.00 | XXXX | $252.75 | 0.000% | 0.000% | 0.000% | XXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $11,670.00 | 5.980% | $0.00 | 3.1 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.24 | 0.45 | XXXX | $1,408,203.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 451.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51979657 | N/A | No | No | XXXX | 7.889% | $527.85 | $527.85 | 7.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,524.96 | XXXX | $127.08 | 0.000% | 0.000% | 0.000% | XXXX | 735 | 741 | 735 | 711 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.5 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXX | $115,948.65 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 100.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59718055 | Non QM | Yes | No | XXXX | XXXX | 6.311% | $2,247.37 | $2,247.37 | 6.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $22,858.59 | 1 | XXXX | $1,969.20 | XXXX | $164.10 | 23.839% | 23.839% | 23.839% | XXXX | 753 | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,020.00 | 5.980% | $0.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $584,110.39 | 91.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 95.15 | No | $15,306.80 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57829766 | N/A | No | No | XXXX | 7.076% | $1,182.38 | $1,182.38 | 7.125% | No | No | US Citizen | 1 | XXXX | $459.48 | XXXX | $38.29 | 0.000% | 0.000% | 0.000% | XXXX | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,020.00 | 5.980% | $0.00 | 1.2 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.81 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55456466 | Non QM | Yes | No | XXXX | XXXX | 6.604% | $6,067.85 | $6,067.85 | 6.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $15,807.39 | 1 | XXXX | $4,070.04 | XXXX | $339.17 | 40.446% | 40.446% | 40.446% | XXXX | 760 | No | Yes | 24 | Business | 38.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - Year Not Available [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $9,153.00 | 6.190% | $10,000.00 | None | N/A | No | 6.500% | 0 | 2 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $293,219.44 | 24.430% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.1 | No | No | $0.00 | $16,414.14 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51992492 | Non QM | Yes | No | XXXX | XXXX | 6.488% | $6,363.47 | $6,363.47 | 6.375% | No | No | Self-Employed | US Citizen | $12,051.87 | 1 | XXXX | $1,657.44 | XXXX | $138.12 | 39.911% | 39.911% | 39.911% | XXXX | 791 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $28,920.00 | 6.260% | $8,042.00 | None | No | No | 6.375% | 1 | 1 | 0 | 0 | 1 | 11.13 | No | XXXX | $473,228.30 | 37.110% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.54 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55711617 | Non QM | Yes | No | XXXX | XXXX | 7.943% | $5,633.69 | $5,633.69 | 7.750% | No | No | Self-Employed | US Citizen | $13,075.79 | 1 | XXXX | $2,030.28 | XXXX | $169.19 | 40.740% | 40.740% | 40.740% | XXXX | 663 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - Year Not Available |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $10,991.72 | 6.170% | $0.00 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $95,685.28 | 9.120% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51039768 | Non QM | Yes | No | XXXX | XXXX | 6.532% | $3,899.19 | $3,899.19 | 6.375% | No | No | Self-Employed | US Citizen | $12,165.98 | 1 | XXXX | $2,763.00 | XXXX | $230.25 | 42.124% | 42.124% | 42.124% | XXXX | 702 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - Year Not Available [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - Year Not Available |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $24,020.00 | 6.180% | $0.00 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.57 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57617961 | Non QM | Yes | No | XXXX | XXXX | 6.815% | $6,118.42 | $6,118.42 | 6.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,722.66 | 1 | XXXX | $3,665.64 | XXXX | $305.47 | 48.862% | 48.862% | 48.862% | XXXX | 717 | No | No | Borrower Prepared | [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - Year Not Available [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - Year Not Available [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - Year Not Available [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $28,765.00 | 6.060% | $0.00 | None | No | No | 6.500% | 1 | 1 | 1 | 0 | 4 | 0 | 10.97 | No | XXXX | $148,761.72 | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.29 | No | No | $0.00 | $5,200.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50296817 | Non QM | Yes | No | XXXX | XXXX | 6.440% | $967.83 | $967.83 | 5.990% | No | No | Non-Employment Income | US Citizen | $5,205.84 | 1 | XXXX | $1,091.52 | XXXX | $90.96 | 41.058% | 41.058% | 41.058% | XXXX | 808 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $6,734.00 | 5.980% | $4,324.00 | 2.5 | None | Yes | No | 5.990% | 0 | 2 | 0 | 4 | 2 | 0.00 | No | XXXX | $86,103.16 | 42.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.95 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52890384 | N/A | No | No | XXXX | 5.985% | $5,683.74 | $5,683.74 | 6.000% | No | No | US Citizen | 2 | XXXX | $3,095.04 | XXXX | $257.92 | 0.000% | 0.000% | 0.000% | XXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $28,440.00 | 6.270% | $0.00 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXX | $588,321.32 | 37.230% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59136808 | N/A | No | No | XXXX | 6.739% | $4,825.57 | $4,825.57 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $3,062.40 | XXXX | $255.20 | 0.000% | 0.000% | 0.000% | XXXX | 710 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $25,110.00 | 6.060% | $0.00 | 3.8 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | $39,310.71 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51056150 | N/A | No | No | XXXX | 6.871% | $2,732.82 | $2,732.82 | 6.875% | No | No | US Citizen | 4 | XXXX | $2,880.96 | XXXX | $240.08 | 0.000% | 0.000% | 0.000% | XXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,800.00 | 6.140% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXX | $139,900.00 | 26.900% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56436416 | N/A | No | No | XXXX | 7.823% | $2,256.78 | $2,256.78 | 7.875% | No | No | US Citizen | 2 | XXXX | $2,118.96 | XXXX | $176.58 | 0.000% | 0.000% | 0.000% | XXXX | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $15,562.50 | 6.100% | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55785009 | N/A | No | No | XXXX | 7.937% | $1,847.33 | $1,847.33 | 7.990% | No | No | US Citizen | 1 | XXXX | $1,229.04 | XXXX | $102.42 | 0.000% | 0.000% | 0.000% | XXXX | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $12,600.00 | 6.060% | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59900012 | N/A | No | No | XXXX | 7.823% | $2,561.31 | $2,561.31 | 7.875% | No | No | US Citizen | 3 | XXXX | $2,037.96 | XXXX | $169.83 | 0.000% | 0.000% | 0.000% | XXXX | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $13,909.21 | 6.100% | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57274737 | N/A | No | No | XXXX | 6.745% | $2,698.17 | $2,698.17 | 6.750% | No | No | 0 | Permanent Resident Alien | Permanent Resident Alien | 4 | XXXX | $3,198.96 | XXXX | $266.58 | 0.000% | 0.000% | 0.000% | XXXX | 751 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,800.00 | 6.060% | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | XXXX | $1,554,075.29 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 401.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59613150 | N/A | No | No | XXXX | 7.575% | $1,605.28 | $1,605.28 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,440.00 | XXXX | $120.00 | 0.000% | 0.000% | 0.000% | XXXX | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $11,340.00 | 6.060% | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54154604 | N/A | No | No | XXXX | 7.946% | $2,201.08 | $2,201.08 | 7.999% | No | No | US Citizen | 1 | XXXX | $939.00 | XXXX | $78.25 | 0.000% | 0.000% | 0.000% | XXXX | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $11,998.50 | 6.100% | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.26 | XXXX | $45,366.65 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56724283 | N/A | No | No | XXXX | 7.579% | $2,211.25 | $2,211.25 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,902.96 | XXXX | $158.58 | 0.000% | 0.000% | 0.000% | XXXX | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $17,400.00 | 6.060% | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | XXXX | $1,922,067.61 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 640.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 8 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55539113 | N/A | No | No | XXXX | 7.582% | $1,203.96 | $1,203.96 | 7.625% | No | No | US Citizen | 1 | XXXX | $730.68 | XXXX | $60.89 | 0.000% | 0.000% | 0.000% | XXXX | 665 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,505.00 | 6.060% | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXX | $2,859.36 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57431510 | N/A | No | No | XXXX | 7.226% | $654.89 | $654.89 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,170.60 | XXXX | $97.55 | 0.000% | 0.000% | 0.000% | XXXX | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,800.00 | 5.980% | $0.00 | 1.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | XXXX | $387,434.26 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 437.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56445090 | N/A | No | No | XXXX | 6.742% | $4,640.63 | $4,640.63 | 6.750% | No | No | US Citizen | 3 | XXXX | $1,113.00 | XXXX | $92.75 | 0.000% | 0.000% | 0.000% | XXXX | 682 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $41,250.00 | 5.990% | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | 240 | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57235635 | N/A | No | No | XXXX | 6.355% | $1,216.55 | $1,216.55 | 6.375% | No | No | US Citizen | 1 | XXXX | $2,869.56 | XXXX | $239.13 | 0.000% | 0.000% | 0.000% | XXXX | 695 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,972.50 | 5.980% | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57206929 | N/A | No | No | XXXX | 7.827% | $638.06 | $638.06 | 7.875% | No | No | US Citizen | 1 | XXXX | $2,460.24 | XXXX | $205.02 | 0.000% | 0.000% | 0.000% | XXXX | 687 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $1,100.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | $17,660.74 | 16.050% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54122726 | N/A | No | No | XXXX | 7.827% | $638.06 | $638.06 | 7.875% | No | No | US Citizen | 1 | XXXX | $2,460.24 | XXXX | $205.02 | 0.000% | 0.000% | 0.000% | XXXX | 687 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.1 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXX | $17,660.74 | 16.050% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59276895 | N/A | No | No | XXXX | 5.998% | $877.83 | $877.83 | 6.000% | No | No | US Citizen | 1 | XXXX | $1,228.68 | XXXX | $102.39 | 0.000% | 0.000% | 0.000% | XXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,928.30 | 5.980% | $0.00 | 1.0 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56148130 | N/A | No | No | XXXX | 5.966% | $1,798.65 | $1,798.65 | 6.000% | No | No | US Citizen | 1 | XXXX | $914.88 | XXXX | $76.24 | 0.000% | 0.000% | 0.000% | XXXX | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.1 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXX | $55,849.10 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59357810 | Non QM | Yes | No | XXXX | XXXX | 6.452% | $4,367.09 | $4,367.09 | 6.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $66,718.37 | 1 | XXXX | $5,928.00 | XXXX | $494.00 | 9.449% | 9.449% | 9.449% | XXXX | 794 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,240.00 | 5.980% | $0.00 | 3.1 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $862,442.90 | 78.400% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 63.93 | No | $36,840.07 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55166936 | N/A | No | No | XXXX | XXXX | 7.881% | $1,566.24 | $1,566.24 | 7.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $17,963.04 | 1 | XXXX | $528.00 | XXXX | $44.00 | 36.435% | 36.435% | 36.435% | XXXX | 686 | No | No | [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | XXXX | $6,440.32 | 6.020% | $0.00 | 2.4 | None | Yes | No | 7.500% | 1 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $115,973.58 | 41.410% | No | 1 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57701576 | N/A | No | No | XXXX | 7.460% | $555.88 | $555.88 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,065.00 | XXXX | $88.75 | 0.000% | 0.000% | 0.000% | XXXX | 817 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 2.5 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 80.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51714076 | N/A | No | No | XXXX | XXXX | 6.849% | $689.28 | $689.28 | 6.875% | No | No | US Citizen | 1 | XXXX | $375.00 | XXXX | $31.25 | 0.000% | 0.000% | 0.000% | XXXX | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $5,000.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXX | $146,524.99 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 94.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54028276 | Non QM | Yes | No | XXXX | XXXX | 7.248% | $18,055.66 | $18,055.66 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $275,146.95 | 1 | XXXX | $21,603.12 | XXXX | $1,800.26 | 22.113% | 22.113% | 22.113% | XXXX | 706 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $4,845.00 | 6.020% | $0.00 | 1.4 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $3,749,574.53 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 130.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57694519 | N/A | No | No | XXXX | 7.595% | $568.00 | $568.00 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,640.04 | XXXX | $136.67 | 0.000% | 0.000% | 0.000% | XXXX | 652 | No | No | DSCR | 1 | 0 | 0 | No | XXXX | $2,407.50 | 6.020% | $1,470.00 | 1.2 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.65 | XXXX | $50,489.67 | 47.180% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50839449 | N/A | No | No | XXXX | 8.747% | $1,397.18 | $1,397.18 | 8.750% | No | No | US Citizen | 1 | XXXX | $1,523.04 | XXXX | $126.92 | 0.000% | 0.000% | 0.000% | XXXX | 686 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | 2.9 | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50888354 | Non QM | Yes | No | XXXX | XXXX | 9.794% | $6,432.53 | $6,432.53 | 9.500% | No | No | Self-Employed | US Citizen | $16,878.11 | 1 | XXXX | $1,708.68 | XXXX | $142.39 | 40.473% | 40.473% | 40.473% | XXXX | 681 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $17,890.00 | 6.020% | $27,000.00 | 4.7 | None | No | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $194,039.85 | 21.550% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54118297 | N/A | No | No | XXXX | 7.704% | $767.99 | $767.99 | 7.750% | No | No | US Citizen | 1 | XXXX | $723.96 | XXXX | $60.33 | 0.000% | 0.000% | 0.000% | XXXX | 698 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 2.3 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXX | $44,496.89 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55402340 | N/A | No | No | XXXX | 7.935% | $489.79 | $489.79 | 8.000% | No | No | US Citizen | 2 | XXXX | $3,021.72 | XXXX | $251.81 | 0.000% | 0.000% | 0.000% | XXXX | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | XXXX | $73,493.14 | 82.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50919684 | N/A | No | No | XXXX | 7.493% | $1,776.53 | $1,776.53 | 7.499% | No | No | US Citizen | 1 | XXXX | $1,251.96 | XXXX | $104.33 | 0.000% | 0.000% | 0.000% | XXXX | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,621.98 | 6.160% | $0.00 | 4.2 | No | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57353253 | N/A | No | No | XXXX | 6.219% | $5,172.02 | $5,172.02 | 6.250% | No | No | US Citizen | 2 | XXXX | $2,310.48 | XXXX | $192.54 | 0.000% | 0.000% | 0.000% | XXXX | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $21,000.00 | 5.980% | $0.00 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXX | $646,304.61 | 46.160% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59036846 | N/A | No | No | XXXX | 6.092% | $2,431.66 | $2,431.66 | 6.125% | No | No | US Citizen | 1 | XXXX | $1,446.96 | XXXX | $120.58 | 0.000% | 0.000% | 0.000% | XXXX | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,804.90 | 5.980% | $0.00 | 2.1 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXX | $235,708.36 | 35.330% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58001475 | Non QM | Yes | No | XXXX | XXXX | 6.911% | $5,728.42 | $5,728.42 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $34,717.77 | 1 | XXXX | $3,365.04 | XXXX | $280.42 | 30.094% | 30.094% | 30.094% | XXXX | 797 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $14,347.00 | 6.170% | $0.00 | 4.2 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXX | $4,274,767.30 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 112.98 | No | No | $11,269.16 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50313168 | Non QM | Yes | No | XXXX | XXXX | 7.565% | $4,754.66 | $4,754.66 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $79,655.41 | 1 | XXXX | $1,305.00 | XXXX | $108.75 | 11.425% | 11.425% | 11.425% | 752 | No | Yes | 12 | Business | 100.000% | 41.000% | 41.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 41.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $3,890.00 | 6.250% | $0.00 | 1.6 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $16,821.05 | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.96 | No | $44,965.17 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50608090 | Non QM | Yes | No | XXXX | XXXX | 7.468% | $3,056.24 | $3,056.24 | 7.375% | No | No | Self-Employed | US Citizen | $14,244.49 | 1 | XXXX | $2,328.96 | XXXX | $194.08 | 25.565% | 25.565% | 25.565% | XXXX | 686 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,070.25 | 6.060% | $0.00 | 2.3 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56148054 | Non QM | Yes | No | XXXX | XXXX | 6.426% | $9,426.67 | $9,426.67 | 6.375% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $155,645.16 | 1 | XXXX | $3,351.96 | XXXX | $279.33 | 9.348% | 9.348% | 9.348% | XXXX | 740 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $1,495.00 | 6.270% | $0.00 | 3.4 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXX | $1,483,267.71 | 49.940% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 7.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57751968 | N/A | No | No | XXXX | XXXX | 7.592% | $1,258.51 | $1,258.51 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $27,630.88 | 1 | XXXX | $627.00 | XXXX | $52.25 | 16.667% | 16.667% | 16.667% | XXXX | 724 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | XXXX | $6,640.64 | 6.020% | $0.00 | 1.0 | None | Yes | No | 7.125% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $213,909.11 | 91.600% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 78.42 | No | No | $0.00 | $17,396.85 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55862032 | N/A | No | No | XXXX | 6.208% | $2,512.13 | $2,512.13 | 6.250% | No | No | Permanent Resident Alien | 1 | XXXX | $1,755.00 | XXXX | $146.25 | 0.000% | 0.000% | 0.000% | XXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,400.00 | 5.980% | $0.00 | 3.8 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57189325 | N/A | No | No | XXXX | 8.087% | $1,375.10 | $1,375.10 | 8.125% | No | No | US Citizen | US Citizen | 1 | XXXX | $966.96 | XXXX | $80.58 | 0.000% | 0.000% | 0.000% | XXXX | 662 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57219877 | N/A | No | No | XXXX | XXXX | 9.211% | $1,049.57 | $1,049.57 | 8.500% | No | No | Non-Permanent Resident Alien | 1 | XXXX | $1,767.00 | XXXX | $147.25 | 0.000% | 0.000% | 0.000% | XXXX | 649 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,953.50 | 6.020% | $0.00 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 91.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59024308 | N/A | No | No | XXXX | XXXX | 8.116% | $620.90 | $620.90 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,293.24 | XXXX | $107.77 | 0.000% | 0.000% | 0.000% | XXXX | 670 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,375.04 | 6.020% | $2,368.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | XXXX | $41,617.46 | 35.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 52.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50382899 | N/A | No | No | XXXX | 5.969% | $717.66 | $717.66 | 6.000% | No | No | US Citizen | 1 | XXXX | $2,999.04 | XXXX | $249.92 | 0.000% | 0.000% | 0.000% | XXXX | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | 3.7 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51490767 | N/A | No | No | XXXX | 6.853% | $2,110.66 | $2,110.66 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,173.96 | XXXX | $97.83 | 0.000% | 0.000% | 0.000% | XXXX | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $8,400.00 | 2.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $130,248.17 | 30.400% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51995637 | N/A | No | No | XXXX | 7.115% | $2,290.64 | $2,290.64 | 7.125% | No | No | US Citizen | US Citizen | 1 | XXXX | $6,255.24 | XXXX | $521.27 | 0.000% | 0.000% | 0.000% | XXXX | 668 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,690.00 | 6.100% | $0.00 | 1.9 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55590329 | N/A | No | No | XXXX | 7.080% | $1,027.42 | $1,027.42 | 7.125% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,619.04 | XXXX | $134.92 | 0.000% | 0.000% | 0.000% | XXXX | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,346.25 | 6.180% | $0.00 | 3.1 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | $600,210.69 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 461.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55563574 | N/A | No | No | XXXX | 7.096% | $3,532.81 | $3,532.81 | 7.125% | No | No | US Citizen | 1 | XXXX | $1,538.16 | XXXX | $128.18 | 0.000% | 0.000% | 0.000% | XXXX | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $16,957.50 | 6.130% | $0.00 | 4.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 240 | XXXX | $256,874.29 | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 70.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54373708 | N/A | No | No | XXXX | 7.117% | $1,013.95 | $1,013.95 | 7.125% | No | No | US Citizen | 1 | XXXX | $951.00 | XXXX | $79.25 | 0.000% | 0.000% | 0.000% | XXXX | 686 | No | No | DSCR | 3 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54509797 | N/A | No | No | XXXX | 6.373% | $813.21 | $813.21 | 6.375% | No | No | US Citizen | 2 | XXXX | $3,040.56 | XXXX | $253.38 | 0.000% | 0.000% | 0.000% | XXXX | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | XXXX | $155,353.65 | 71.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51256700 | Non QM | Yes | No | XXXX | XXXX | 6.275% | $7,856.55 | $7,856.55 | 6.250% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | US Citizen | $47,711.64 | 1 | XXXX | $2,236.56 | XXXX | $186.38 | 32.822% | 32.822% | 32.822% | XXXX | 770 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2023 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $3,140.00 | 6.170% | $0.00 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 13.82 | No | No | $35,511.47 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58614085 | Non QM | Yes | No | XXXX | XXXX | 8.213% | $2,893.51 | $2,893.51 | 8.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,813.33 | 1 | XXXX | $773.28 | XXXX | $64.44 | 32.809% | 32.809% | 32.809% | XXXX | 779 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $11,350.04 | 6.020% | $7,000.00 | 1.0 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | $5,000.00 | 1.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56144311 | N/A | No | No | XXXX | 7.346% | $359.15 | $359.15 | 7.375% | No | No | US Citizen | 1 | XXXX | $690.96 | XXXX | $57.58 | 0.000% | 0.000% | 0.000% | XXXX | 709 | No | No | DSCR | 1 | 0 | 0 | No | XXXX | 6.020% | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.53 | 0.4 | XXXX | $581,023.36 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1192.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54682036 | Non QM | Yes | No | XXXX | XXXX | 7.930% | $1,167.75 | $1,167.75 | 7.750% | No | No | Self-Employed | Permanent Resident Alien | $3,937.17 | 1 | XXXX | $2,973.00 | XXXX | $247.75 | 45.195% | 45.195% | 45.195% | XXXX | 637 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,509.38 | 6.020% | $0.00 | 2.1 | None | No | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.01 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59433900 | N/A | No | No | XXXX | 7.222% | $885.12 | $885.12 | 7.250% | No | No | US Citizen | 1 | XXXX | $2,526.00 | XXXX | $210.50 | 0.000% | 0.000% | 0.000% | XXXX | 694 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,487.50 | 6.130% | $0.00 | 2.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58025473 | Non QM | Yes | No | XXXX | XXXX | 7.662% | $1,381.41 | $1,381.41 | 7.250% | No | No | Employed | US Citizen | $1,984.06 | 1 | XXXX | $449.16 | XXXX | $37.43 | 48.695% | 48.695% | 48.695% | XXXX | 790 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $5,417.85 | 6.020% | $38,000.00 | 1.0 | None | No | No | 7.250% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | XXXX | $30,235.47 | 13.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52480544 | Non QM | Yes | No | XXXX | XXXX | 10.060% | $2,629.01 | $2,629.01 | 9.750% | No | No | Self-Employed | US Citizen | $42,292.27 | 1 | XXXX | $581.04 | XXXX | $48.42 | 14.046% | 14.046% | 14.046% | XXXX | 782 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $5,250.60 | 6.020% | $0.00 | None | Yes | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $88,062.16 | 25.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50885472 | N/A | No | No | XXXX | 7.452% | $1,125.74 | $1,125.74 | 7.500% | No | No | US Citizen | 2 | XXXX | $2,029.80 | XXXX | $169.15 | 0.000% | 0.000% | 0.000% | XXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,440.00 | 5.980% | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50449453 | N/A | No | No | XXXX | 7.618% | $1,946.43 | $1,946.43 | 7.625% | No | No | US Citizen | 1 | XXXX | $2,030.04 | XXXX | $169.17 | 0.000% | 0.000% | 0.000% | XXXX | 687 | No | No | DSCR | 1 | 0 | 0 | No | XXXX | $13,750.00 | 6.060% | $0.00 | 2.5 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $140,796.70 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 58.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50761041 | N/A | No | No | XXXX | 9.443% | $1,513.54 | $1,513.54 | 9.500% | No | No | US Citizen | 1 | XXXX | $1,686.48 | XXXX | $140.54 | 0.000% | 0.000% | 0.000% | XXXX | 650 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,000.00 | 5.980% | $0.00 | 3.2 | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51960375 | N/A | No | No | XXXX | 7.886% | $487.25 | $487.25 | 7.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,092.00 | XXXX | $91.00 | 0.000% | 0.000% | 0.000% | XXXX | 735 | 741 | 735 | 711 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXX | $115,948.65 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 131.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54359931 | N/A | No | No | XXXX | XXXX | 8.787% | $1,613.25 | $1,613.25 | 8.375% | No | No | Self-Employed | US Citizen | $18,375.40 | 1 | XXXX | $1,569.96 | XXXX | $130.83 | 38.870% | 38.870% | 38.870% | XXXX | 687 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $7,331.88 | 6.020% | $0.00 | 2.1 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $14,243.34 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.01 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51507168 | N/A | No | No | XXXX | 7.371% | $1,352.00 | $1,352.00 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,299.00 | XXXX | $108.25 | 0.000% | 0.000% | 0.000% | XXXX | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,787.50 | 6.020% | $0.00 | 4.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52741008 | N/A | No | No | XXXX | 6.821% | $494.01 | $494.01 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,148.88 | XXXX | $95.74 | 0.000% | 0.000% | 0.000% | XXXX | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,256.00 | 6.020% | $0.00 | 1.2 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.7 | XXXX | $254,966.69 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 327.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58034754 | Non QM | Yes | No | XXXX | XXXX | 7.951% | $2,690.01 | $2,690.01 | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,960.69 | 1 | XXXX | $1,791.84 | XXXX | $149.32 | 45.739% | 45.739% | 45.739% | XXXX | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,245.00 | 6.020% | $147,500.00 | 2.1 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $49,536.10 | 9.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57022673 | N/A | No | No | XXXX | 7.611% | $4,473.33 | $4,473.33 | 7.625% | No | No | US Citizen | 1 | XXXX | $1,188.12 | XXXX | $99.01 | 0.000% | 0.000% | 0.000% | XXXX | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $28,160.00 | 6.020% | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | XXXX | $8,000.00 | 0.900% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55971313 | N/A | No | No | XXXX | 6.211% | $554.15 | $554.15 | 6.250% | No | No | US Citizen | US Citizen | 1 | XXXX | $2,463.48 | XXXX | $205.29 | 0.000% | 0.000% | 0.000% | XXXX | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,700.00 | 6.020% | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54226081 | N/A | No | No | XXXX | 7.240% | $859.54 | $859.54 | 7.250% | No | No | US Citizen | 2 | XXXX | $1,444.92 | XXXX | $120.41 | 0.000% | 0.000% | 0.000% | XXXX | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,520.00 | 6.020% | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.95 | 0.51 | XXXX | $196,916.87 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 143.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53128157 | N/A | No | No | XXXX | 7.595% | $990.91 | $990.91 | 7.625% | No | No | US Citizen | 2 | XXXX | $1,817.04 | XXXX | $151.42 | 0.000% | 0.000% | 0.000% | XXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,000.00 | 6.020% | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXX | $72,305.43 | 41.310% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50875354 | N/A | No | No | XXXX | 6.117% | $2,572.02 | $2,572.02 | 6.125% | No | No | US Citizen | 1 | XXXX | $1,522.20 | XXXX | $126.85 | 0.000% | 0.000% | 0.000% | XXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $21,165.00 | 6.020% | $0.00 | 1.0 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $115,969.96 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58879050 | N/A | No | No | XXXX | 5.954% | $1,498.26 | $1,498.26 | 6.000% | No | No | US Citizen | 1 | XXXX | $3,012.00 | XXXX | $251.00 | 0.000% | 0.000% | 0.000% | XXXX | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,995.88 | 6.020% | $0.00 | 1.0 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $3,100.00 | 0.990% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 51.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52653266 | Non QM | Yes | No | XXXX | XXXX | 7.633% | $859.54 | $859.54 | 7.250% | No | Yes | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,021.35 | 1 | XXXX | $1,538.16 | XXXX | $128.18 | 41.876% | 41.876% | 41.876% | XXXX | 756 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
[Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2017 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,900.00 | 6.250% | $0.00 | 1.4 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $77,120.62 | 45.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon | FICO Risk Score Classic 04 | 14.64 | Yes | No | $6,040.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50713381 | N/A | No | No | XXXX | 6.871% | $625.72 | $625.72 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,845.96 | XXXX | $153.83 | 0.000% | 0.000% | 0.000% | XXXX | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,810.00 | 5.980% | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 103.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52848247 | N/A | No | No | XXXX | 7.827% | $785.25 | $785.25 | 7.875% | No | No | US Citizen | 1 | XXXX | $876.00 | XXXX | $73.00 | 0.000% | 0.000% | 0.000% | XXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXX | $7,695.03 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52596707 | Non QM | Yes | No | XXXX | XXXX | 9.157% | $5,012.56 | $5,012.56 | 8.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $54,047.03 | 1 | XXXX | $1,938.96 | XXXX | $161.58 | 18.250% | 18.250% | 18.250% | XXXX | 712 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $14,180.00 | 6.020% | $10,000.00 | 1.0 | None | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $7,000.00 | 1.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.99 | No | $33,056.41 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57156276 | N/A | No | No | XXXX | 8.818% | $891.12 | $891.12 | 8.875% | No | No | US Citizen | 2 | XXXX | $1,832.04 | XXXX | $152.67 | 0.000% | 0.000% | 0.000% | XXXX | 682 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXX | $185,573.90 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 114.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53539826 | N/A | No | No | XXXX | 8.818% | $891.12 | $891.12 | 8.875% | No | No | US Citizen | 2 | XXXX | $1,805.04 | XXXX | $150.42 | 0.000% | 0.000% | 0.000% | XXXX | 682 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXX | $187,934.86 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 137.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52258713 | N/A | No | No | XXXX | 7.373% | $621.61 | $621.61 | 7.375% | No | No | Permanent Resident Alien | 1 | XXXX | $960.00 | XXXX | $80.00 | 0.000% | 0.000% | 0.000% | XXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.990% | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 89.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51673436 | N/A | No | No | XXXX | 7.464% | $251.72 | $251.72 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,334.04 | XXXX | $111.17 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.3 | 0.44 | XXXX | $92,479.73 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 250.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56965682 | N/A | No | No | XXXX | 7.873% | $482.63 | $482.63 | 7.875% | No | No | US Citizen | 1 | XXXX | $903.36 | XXXX | $75.28 | 0.000% | 0.000% | 0.000% | XXXX | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $0.00 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXX | $103,729.82 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 92.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51470416 | N/A | No | No | XXXX | 6.976% | $1,071.03 | $1,071.03 | 6.999% | No | No | US Citizen | 1 | XXXX | $1,511.40 | XXXX | $125.95 | 0.000% | 0.000% | 0.000% | XXXX | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,830.00 | 6.020% | $0.00 | 1.3 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.18 | XXXX | $3,000.00 | 1.300% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57515448 | N/A | No | No | XXXX | 6.866% | $1,576.63 | $1,576.63 | 6.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,223.04 | XXXX | $101.92 | 0.000% | 0.000% | 0.000% | XXXX | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,600.00 | 6.120% | $0.00 | 1.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | $17,303.56 | 5.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 93.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58409056 | N/A | No | No | XXXX | 8.111% | $645.97 | $645.97 | 8.125% | No | No | US Citizen | 1 | XXXX | $1,328.04 | XXXX | $110.67 | 0.000% | 0.000% | 0.000% | XXXX | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $870.00 | 6.120% | $0.00 | 4.3 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53046617 | N/A | No | No | XXXX | 8.939% | $587.37 | $587.37 | 9.000% | No | No | US Citizen | 1 | XXXX | $2,061.48 | XXXX | $171.79 | 0.000% | 0.000% | 0.000% | XXXX | 690 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | 1.5 | No | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57639735 | Non QM | Yes | No | XXXX | XXXX | 8.517% | $3,406.48 | $3,406.48 | 8.375% | No | No | Self-Employed | US Citizen | $36,947.26 | 1 | XXXX | $1,238.28 | XXXX | $103.19 | 15.951% | 15.951% | 15.951% | XXXX | 646 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $20,684.73 | 5.980% | $25,000.00 | 1.0 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $20,000.00 | 3.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 218.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51005992 | N/A | No | No | XXXX | 8.842% | $572.86 | $572.86 | 8.875% | No | No | US Citizen | 1 | XXXX | $1,956.84 | XXXX | $163.07 | 0.000% | 0.000% | 0.000% | XXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | 2.0 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 88.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56375238 | N/A | No | No | XXXX | XXXX | 7.328% | $3,601.89 | $3,601.89 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $20,828.92 | 1 | XXXX | $1,719.00 | XXXX | $143.25 | 33.852% | 33.852% | 33.852% | XXXX | 768 | No | Yes | 12 | Business | 65.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,070.00 | 6.120% | $0.00 | 2.0 | None | Yes | No | 7.250% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $513,759.21 | 77.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 80.77 | Yes | No | $0.00 | $11,138.85 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52233661 | N/A | No | No | XXXX | 7.236% | $1,528.07 | $1,528.07 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,097.16 | XXXX | $91.43 | 0.000% | 0.000% | 0.000% | XXXX | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $10,000.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | XXXX | $116,698.37 | 41.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52455871 | N/A | No | No | XXXX | 6.748% | $695.62 | $695.62 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,538.04 | XXXX | $128.17 | 0.000% | 0.000% | 0.000% | XXXX | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,895.75 | 6.020% | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.6 | XXXX | $5,108.24 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 127.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53717485 | N/A | No | No | XXXX | 6.748% | $822.10 | $822.10 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,830.96 | XXXX | $152.58 | 0.000% | 0.000% | 0.000% | XXXX | 761 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $3,422.25 | 6.120% | $0.00 | 2.3 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.62 | XXXX | $22,684.22 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59893613 | N/A | No | No | XXXX | 6.717% | $953.30 | $953.30 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,026.00 | XXXX | $85.50 | 0.000% | 0.000% | 0.000% | XXXX | 778 | 774 | 778 | 796 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,740.00 | 6.120% | $5,000.00 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXX | $70,381.20 | 34.750% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 480 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52474068 | N/A | No | No | XXXX | 7.350% | $466.21 | $466.21 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,769.04 | XXXX | $147.42 | 0.000% | 0.000% | 0.000% | XXXX | 743 | No | No | DSCR | 0 | 0 | 0 | XXXX | 6.120% | $0.00 | 1.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52500208 | N/A | No | No | XXXX | 7.857% | $493.05 | $493.05 | 7.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,541.40 | XXXX | $128.45 | 0.000% | 0.000% | 0.000% | XXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $680.00 | 6.120% | $0.00 | 1.4 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | XXXX | $111,626.97 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 114.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51803214 | Non QM | Yes | No | XXXX | XXXX | 9.242% | $3,374.73 | $3,374.73 | 8.875% | No | No | Self-Employed | Permanent Resident Alien | $5,518.13 | 1 | XXXX | $1,698.72 | XXXX | $141.56 | 42.175% | 42.175% | 42.175% | XXXX | 689 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $19,355.96 | 6.120% | $12,000.00 | None | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $114,320.18 | 22.900% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 5.56 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58054358 | N/A | No | No | XXXX | 6.483% | $2,775.75 | $2,775.75 | 6.499% | No | No | US Citizen | US Citizen | 2 | XXXX | $2,823.00 | XXXX | $235.25 | 0.000% | 0.000% | 0.000% | XXXX | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $11,417.44 | 5.980% | $3,000.00 | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | XXXX | $175,440.63 | 31.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58680587 | Non QM | Yes | No | XXXX | XXXX | 7.747% | $16,081.07 | $16,081.07 | 7.625% | No | No | Self-Employed | US Citizen | $23,090.18 | 1 | XXXX | $2,838.00 | XXXX | $236.50 | 49.707% | 49.707% | 49.707% | XXXX | 707 | No | Yes | 12 | Personal | 97.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $24,600.88 | 6.120% | $0.00 | 3.4 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $734,692.13 | 25.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.43 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50489425 | N/A | No | No | XXXX | 9.977% | $508.99 | $508.99 | 10.000% | No | No | US Citizen | 1 | XXXX | $1,168.92 | XXXX | $97.41 | 0.000% | 0.000% | 0.000% | XXXX | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | 1.0 | Yes | No | 10.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXX | $85,696.29 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 83.4 | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53083544 | Non QM | Yes | No | XXXX | XXXX | 8.889% | $2,100.03 | $2,100.03 | 8.625% | No | No | Self-Employed | US Citizen | $4,287.31 | 1 | XXXX | $2,358.96 | XXXX | $196.58 | 39.333% | 39.333% | 39.333% | XXXX | 812 | No | Yes | 12 | Business | 100.000% | 70.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $5,513.30 | 6.120% | $18,000.00 | 3.2 | None | No | No | 8.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $27,896.05 | 9.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 4.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57950340 | N/A | No | No | XXXX | 8.238% | $1,502.53 | $1,502.53 | 8.250% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $801.48 | XXXX | $66.79 | 0.000% | 0.000% | 0.000% | XXXX | 764 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | 1.0 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXX | $142,534.38 | 57.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 74.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50113532 | N/A | No | No | XXXX | 7.099% | $2,814.38 | $2,814.38 | 7.125% | No | No | US Citizen | 1 | XXXX | $3,784.08 | XXXX | $315.34 | 0.000% | 0.000% | 0.000% | XXXX | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | 2.6 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | 360 | XXXX | $11,806.88 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58663749 | N/A | No | No | XXXX | 8.206% | $535.28 | $535.28 | 8.250% | No | No | US Citizen | 2 | XXXX | $2,405.52 | XXXX | $200.46 | 0.000% | 0.000% | 0.000% | XXXX | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $712.50 | 6.120% | $0.00 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.11 | 0.47 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58079686 | N/A | No | No | XXXX | 8.249% | $934.88 | $934.88 | 8.310% | No | No | US Citizen | 1 | XXXX | $1,262.04 | XXXX | $105.17 | 0.000% | 0.000% | 0.000% | XXXX | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,050.00 | 6.120% | $0.00 | 1.0 | Yes | No | 8.310% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | 360 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54139388 | N/A | No | No | XXXX | 6.355% | $3,649.64 | $3,649.64 | 6.375% | No | No | US Citizen | 2 | XXXX | $1,776.72 | XXXX | $148.06 | 0.000% | 0.000% | 0.000% | XXXX | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $29,250.00 | 6.120% | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXX | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52269917 | N/A | No | No | XXXX | 8.112% | $3,523.54 | $3,523.54 | 8.125% | No | No | US Citizen | 1 | XXXX | $418.92 | XXXX | $34.91 | 0.000% | 0.000% | 0.000% | XXXX | 682 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | 3.0 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXX | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 480 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52054233 | N/A | No | No | XXXX | 7.732% | $1,164.17 | $1,164.17 | 7.750% | No | No | US Citizen | 1 | XXXX | $892.68 | XXXX | $74.39 | 0.000% | 0.000% | 0.000% | XXXX | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | 2.2 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50332961 | N/A | No | No | XXXX | 7.354% | $637.15 | $637.15 | 7.375% | No | No | 0 | US Citizen | US Citizen | 2 | XXXX | $2,292.00 | XXXX | $191.00 | 0.000% | 0.000% | 0.000% | XXXX | 789 | 772 | 803 | 800 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.66 | XXXX | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54297062 | N/A | No | No | XXXX | 7.710% | $565.97 | $565.97 | 7.750% | No | No | US Citizen | 1 | XXXX | $2,134.44 | XXXX | $177.87 | 0.000% | 0.000% | 0.000% | XXXX | 680 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 61.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58311577 | N/A | No | No | XXXX | 6.372% | $1,737.48 | $1,737.48 | 6.375% | No | No | US Citizen | 1 | XXXX | $693.84 | XXXX | $57.82 | 0.000% | 0.000% | 0.000% | XXXX | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $13,925.00 | 6.140% | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXX | $747,063.03 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 311.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51727046 | N/A | No | No | XXXX | 6.372% | $1,684.45 | $1,684.45 | 6.375% | No | No | US Citizen | 1 | XXXX | $720.12 | XXXX | $60.01 | 0.000% | 0.000% | 0.000% | XXXX | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $13,500.00 | 6.140% | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXX | $522,944.12 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 233.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50017063 | Non QM | Yes | No | XXXX | XXXX | 9.175% | $5,968.00 | $5,968.00 | 9.125% | No | No | Self-Employed | US Citizen | $9,923.66 | 1 | XXXX | $1,992.00 | XXXX | $166.00 | 48.113% | 48.113% | 48.113% | XXXX | 719 | No | Yes | 12 | Business | 59.000% | 100.000% | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $10,635.75 | 6.120% | $83,430.00 | 1.0 | None | Yes | No | 9.125% | 2 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $75,097.93 | 9.210% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52118805 | N/A | No | No | XXXX | 8.609% | $591.12 | $591.12 | 8.625% | No | No | US Citizen | 1 | XXXX | $1,197.84 | XXXX | $99.82 | 0.000% | 0.000% | 0.000% | XXXX | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $760.00 | 6.120% | $0.00 | 1.0 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXX | $41,456.91 | 43.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50887259 | Non QM | Yes | No | XXXX | XXXX | 8.173% | $13,683.85 | $13,683.85 | 8.125% | No | No | Self-Employed | US Citizen | $26,014.44 | 1 | XXXX | $6,362.04 | XXXX | $530.17 | 49.314% | 49.314% | 49.314% | XXXX | 763 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $3,235.19 | 6.120% | $20,000.00 | 2.6 | None | Yes | No | 8.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $300,271.32 | 14.640% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.7 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55429196 | Non QM | Yes | No | XXXX | XXXX | 9.250% | $3,687.81 | $3,687.81 | 8.875% | No | No | Self-Employed | Permanent Resident Alien | $10,881.32 | 1 | XXXX | $3,213.96 | XXXX | $267.83 | 38.476% | 38.476% | 38.476% | XXXX | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $13,945.89 | 6.120% | $15,450.00 | 2.0 | None | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $85,304.53 | 16.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58247616 | Non QM | Yes | No | XXXX | XXXX | 8.816% | $3,437.19 | $3,437.19 | 8.875% | No | No | Self-Employed | US Citizen | $29,044.54 | 1 | XXXX | $3,512.88 | XXXX | $292.74 | 39.140% | 39.140% | 39.140% | XXXX | 766 | No | Yes | 12 | Business | 100.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $11,300.00 | 6.120% | $14,400.00 | None | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $49,070.96 | 10.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.65 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56393875 | N/A | No | No | XXXX | 7.363% | $801.18 | $801.18 | 7.375% | No | No | 0 | Permanent Resident Alien | Permanent Resident Alien | 1 | XXXX | $911.88 | XXXX | $75.99 | 0.000% | 0.000% | 0.000% | XXXX | 771 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,800.00 | 6.020% | $0.00 | 2.7 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.82 | XXXX | $17,384.13 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54623093 | N/A | No | No | XXXX | 6.466% | $1,200.80 | $1,200.80 | 6.499% | No | No | US Citizen | 2 | XXXX | $1,428.00 | XXXX | $119.00 | 0.000% | 0.000% | 0.000% | XXXX | 690 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $6,174.05 | 6.020% | $0.00 | No | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.92 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55704639 | N/A | No | No | XXXX | 5.962% | $1,119.54 | $1,119.54 | 5.999% | No | No | US Citizen | 1 | XXXX | $1,088.16 | XXXX | $90.68 | 0.000% | 0.000% | 0.000% | XXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,481.25 | 6.020% | $0.00 | 1.8 | Yes | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXX | $786,030.60 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 562.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53444747 | N/A | No | No | XXXX | 7.228% | $927.76 | $927.76 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,113.96 | XXXX | $92.83 | 0.000% | 0.000% | 0.000% | XXXX | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51587780 | N/A | No | No | XXXX | 7.685% | $456.67 | $456.67 | 7.749% | No | No | US Citizen | 1 | XXXX | $1,871.88 | XXXX | $155.99 | 0.000% | 0.000% | 0.000% | XXXX | 728 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXX | $637.50 | 6.120% | $0.00 | 1.0 | No | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57560693 | Non QM | Yes | No | XXXX | XXXX | 7.833% | $1,620.33 | $1,620.33 | 7.401% | No | No | Self-Employed | US Citizen | $21,889.92 | 1 | XXXX | $1,243.20 | XXXX | $103.60 | 8.843% | 8.843% | 8.843% | XXXX | 789 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,780.70 | 6.220% | $2,000.00 | 1.0 | None | Yes | No | 7.401% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59449634 | N/A | No | No | XXXX | 6.973% | $308.70 | $308.70 | 7.000% | No | No | US Citizen | 1 | XXXX | $1,340.04 | XXXX | $111.67 | 0.000% | 0.000% | 0.000% | XXXX | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.220% | $3,480.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53667836 | Non QM | Yes | No | XXXX | XXXX | 6.612% | $5,536.67 | $5,536.67 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $5,792.92 | 1 | XXXX | $1,496.04 | XXXX | $124.67 | 54.893% | 54.893% | 54.893% | XXXX | 775 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $28,551.48 | 6.100% | $0.00 | 1.0 | None | N/A | No | 6.500% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $53,461.62 | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.79 | No | No | $0.00 | $8,099.44 | No | No | No | No | 3 | 480 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59683281 | N/A | No | No | XXXX | 7.082% | $1,473.42 | $1,473.42 | 7.125% | No | No | US Citizen | 1 | XXXX | $1,640.04 | XXXX | $136.67 | 0.000% | 0.000% | 0.000% | XXXX | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.220% | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | $276,485.01 | 74.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57115988 | N/A | No | No | XXXX | XXXX | 6.748% | $1,293.95 | $1,293.95 | 6.750% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,353.96 | XXXX | $112.83 | 0.000% | 0.000% | 0.000% | XXXX | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.220% | $5,000.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $1,339,205.07 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 586.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52398532 | N/A | No | No | XXXX | 6.966% | $612.08 | $612.08 | 7.000% | No | No | 0 | Permanent Resident Alien | Permanent Resident Alien | 1 | XXXX | $1,016.04 | XXXX | $84.67 | 0.000% | 0.000% | 0.000% | XXXX | 786 | 801 | 814 | 750 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.220% | $0.00 | 2.3 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.56 | XXXX | $94,384.70 | 82.070% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 78.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52255139 | Non QM | Yes | No | XXXX | XXXX | 7.797% | $3,418.64 | $3,418.64 | 7.625% | No | No | Self-Employed | US Citizen | $6,763.89 | 1 | XXXX | $4,407.12 | XXXX | $367.26 | 49.904% | 49.904% | 49.904% | XXXX | 668 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $7,100.10 | 6.250% | $0.00 | 3.7 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53487490 | Non QM | Yes | No | XXXX | XXXX | 6.907% | $4,864.49 | $4,864.49 | 6.750% | No | No | Self-Employed | US Citizen | $40,814.82 | 1 | XXXX | $6,576.60 | XXXX | $548.05 | 43.271% | 43.271% | 43.271% | XXXX | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $17,195.00 | 6.160% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.53 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55977350 | N/A | No | No | XXXX | XXXX | 7.823% | $897.27 | $897.27 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,517.04 | XXXX | $126.42 | 0.000% | 0.000% | 0.000% | XXXX | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.220% | $9,000.00 | 2.6 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXX | $17,288.07 | 10.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52673569 | N/A | No | No | XXXX | 7.330% | $1,424.52 | $1,424.52 | 7.375% | No | No | US Citizen | 2 | XXXX | $2,724.96 | XXXX | $227.08 | 0.000% | 0.000% | 0.000% | XXXX | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.220% | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | XXXX | $94,276.81 | 34.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57258096 | N/A | No | No | XXXX | 6.728% | $1,501.77 | $1,501.77 | 6.750% | No | No | US Citizen | 1 | XXXX | $900.96 | XXXX | $75.08 | 0.000% | 0.000% | 0.000% | XXXX | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXX | $3,728.34 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 2.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58079904 | N/A | No | No | XXXX | XXXX | 8.568% | $1,057.79 | $1,057.79 | 8.625% | No | No | Self-Employed | US Citizen | $98,848.17 | 1 | XXXX | $897.24 | XXXX | $74.77 | 15.746% | 15.746% | 15.746% | XXXX | 695 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | 6.230% | $0.00 | 1.3 | None | N/A | No | 8.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $2,500.00 | 1.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 339.76 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56559479 | N/A | No | No | XXXX | 7.248% | $4,829.81 | $4,829.81 | 7.250% | No | No | Not Employed | Self-Employed | Not Employed | 0 | Permanent Resident Alien | US Citizen | $50,136.61 | 4 | XXXX | $2,541.96 | XXXX | $211.83 | 38.100% | 38.100% | 38.100% | XXXX | 728 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $28,320.00 | 6.250% | $19,000.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $287,656.80 | 32.500% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 70.33 | No | No | $80,995.56 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54171327 | N/A | Yes | No | XXXX | 7.447% | $4,719.70 | $4,719.70 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $23,022.39 | 1 | XXXX | $2,532.00 | XXXX | $211.00 | 42.116% | 42.116% | 42.116% | XXXX | 696 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2016 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $27,000.00 | 6.170% | $0.00 | 1.3 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.14 | No | No | $19,886.77 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50592759 | Non QM | Yes | No | XXXX | XXXX | 6.598% | $2,582.82 | $2,582.82 | 6.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $6,948.06 | 1 | XXXX | $2,950.92 | XXXX | $245.91 | 45.932% | 45.932% | 45.932% | XXXX | 803 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Pension]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $17,442.94 | 6.230% | $0.00 | 3.1 | None | N/A | No | 6.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | XXXX | $659,625.54 | 100.000% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.74 | Yes | No | $5,303.61 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52779675 | Non QM | Yes | No | XXXX | XXXX | 6.275% | $3,712.77 | $3,712.77 | 6.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,288.75 | 1 | XXXX | $5,547.60 | XXXX | $462.30 | 39.467% | 39.467% | 39.467% | XXXX | 807 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2003 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2003 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $935.00 | 6.190% | $0.00 | 3.3 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $106,356.54 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56089383 | Non QM | Yes | No | XXXX | XXXX | 10.278% | $7,085.72 | $7,085.72 | 9.875% | No | No | Self-Employed | US Citizen | $25,332.65 | 1 | XXXX | $1,943.04 | XXXX | $161.92 | 29.488% | 29.488% | 29.488% | XXXX | 653 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 41.82000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 41.82000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 41.82000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 41.82000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 41.82000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 41.82000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $26,179.00 | 6.180% | $30,000.00 | 2.8 | None | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $213,161.79 | 22.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.8 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52809490 | Non QM | Yes | No | XXXX | XXXX | 6.808% | $4,475.33 | $4,475.33 | 6.750% | No | No | Non-Employment Income | US Citizen | $6,661.26 | 1 | XXXX | $2,326.92 | XXXX | $193.91 | 47.822% | 47.822% | 47.822% | XXXX | 685 | Yes | No | [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $3,125.00 | 6.140% | $0.00 | 1.0 | None | N/A | No | 6.750% | 3 | 1 | 0 | 3 | 0 | 0.00 | No | 120 | XXXX | $697,656.54 | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58949650 | Non QM | Yes | No | XXXX | XXXX | 7.659% | $1,817.96 | $1,817.96 | 7.500% | No | No | Self-Employed | US Citizen | $20,046.02 | 1 | XXXX | $3,326.04 | XXXX | $277.17 | 12.900% | 12.900% | 12.900% | XXXX | 768 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $3,120.00 | 6.140% | $68,245.51 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | $18,165.33 | 5.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53895324 | N/A | No | No | XXXX | 6.845% | $578.10 | $578.10 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,194.96 | XXXX | $99.58 | 0.000% | 0.000% | 0.000% | XXXX | 730 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 2.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXX | $51,939.44 | 47.210% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54833859 | Non QM | Yes | No | XXXX | XXXX | 8.147% | $2,283.97 | $2,283.97 | 7.875% | No | No | Self-Employed | US Citizen | $9,290.22 | 1 | XXXX | $1,757.04 | XXXX | $146.42 | 33.999% | 33.999% | 33.999% | XXXX | 766 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $7,627.90 | 6.220% | $7,500.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $88,743.14 | 25.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57344474 | N/A | No | No | XXXX | 7.552% | $1,858.59 | $1,858.59 | 7.625% | No | No | US Citizen | 1 | XXXX | $3,589.56 | XXXX | $299.13 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $14,625.00 | 6.220% | $0.00 | 1.3 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 240 | XXXX | $51,901.86 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.14 | No | $0.00 | $0.00 | No | No | No | No | 7 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58622668 | Non QM | Yes | No | XXXX | XXXX | 7.327% | $2,510.41 | $2,510.41 | 7.250% | No | No | Self-Employed | US Citizen | $9,628.77 | 1 | XXXX | $2,281.44 | XXXX | $190.12 | 49.705% | 49.705% | 49.705% | XXXX | 702 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $2,195.00 | 6.220% | $0.00 | 3.5 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $282,730.39 | 49.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52370741 | Non QM | Yes | No | XXXX | XXXX | 7.667% | $2,859.40 | $2,859.40 | 7.375% | No | No | Self-Employed | US Citizen | $73,521.23 | 2 | XXXX | $1,029.00 | XXXX | $85.75 | 8.099% | 8.099% | 8.099% | XXXX | 648 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $19,776.15 | 6.220% | $0.00 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $231,111.82 | 33.490% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57579348 | N/A | No | No | XXXX | 6.995% | $884.76 | $884.76 | 6.999% | No | No | US Citizen | 1 | XXXX | $3,030.96 | XXXX | $252.58 | 0.000% | 0.000% | 0.000% | XXXX | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.220% | $0.00 | 1.0 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | XXXX | $131,148.02 | 69.020% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 93.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58599634 | N/A | No | No | XXXX | 8.870% | $1,670.85 | $1,670.85 | 8.875% | No | No | US Citizen | 1 | XXXX | $5,365.92 | XXXX | $447.16 | 0.000% | 0.000% | 0.000% | XXXX | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.220% | $0.00 | 1.0 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.34 | 2.94 | XXXX | $191,148.02 | 63.710% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58730638 | N/A | No | No | XXXX | 7.348% | $2,052.09 | $2,052.09 | 7.375% | No | No | US Citizen | 3 | XXXX | $2,120.76 | XXXX | $176.73 | 0.000% | 0.000% | 0.000% | XXXX | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $13,356.00 | 6.370% | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | 240 | XXXX | $51,901.86 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51876742 | N/A | No | No | XXXX | 7.202% | $477.50 | $477.50 | 7.250% | No | No | US Citizen | 1 | XXXX | $738.00 | XXXX | $61.50 | 0.000% | 0.000% | 0.000% | XXXX | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $699.96 | 6.220% | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | $121,822.25 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57339792 | N/A | No | No | XXXX | 7.318% | $6,630.48 | $6,630.48 | 7.375% | No | No | US Citizen | 4 | XXXX | $2,010.84 | XXXX | $167.57 | 0.000% | 0.000% | 0.000% | XXXX | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $28,320.00 | 6.430% | $57,565.34 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | XXXX | $49,858.18 | 4.150% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56866675 | Non QM | Yes | No | XXXX | XXXX | 8.112% | $1,919.98 | $1,919.98 | 7.750% | No | No | Self-Employed | US Citizen | $13,632.61 | 1 | XXXX | $3,026.16 | XXXX | $252.18 | 26.342% | 26.342% | 26.342% | XXXX | 685 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $8,235.48 | 6.430% | $0.00 | 2.8 | None | Yes | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $141,119.49 | 42.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55516351 | N/A | No | No | XXXX | XXXX | 7.496% | $883.81 | $883.81 | 7.500% | No | No | US Citizen | 1 | XXXX | $525.96 | XXXX | $43.83 | 0.000% | 0.000% | 0.000% | XXXX | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $8,500.00 | 1.4 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXX | $281,428.54 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 161.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54637579 | N/A | No | No | XXXX | 7.447% | $1,118.74 | $1,118.74 | 7.500% | No | No | US Citizen | 2 | XXXX | $9,938.04 | XXXX | $828.17 | 0.000% | 0.000% | 0.000% | XXXX | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,200.00 | 6.020% | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXX | $118,536.15 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50697510 | N/A | No | No | XXXX | 7.076% | $374.59 | $374.59 | 7.125% | No | No | US Citizen | 1 | XXXX | $741.00 | XXXX | $61.75 | 0.000% | 0.000% | 0.000% | XXXX | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,668.00 | 6.430% | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.06 | 0.48 | XXXX | $10,501.98 | 15.110% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 345.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51316981 | N/A | No | No | XXXX | 9.663% | $467.38 | $467.38 | 9.750% | No | No | US Citizen | 1 | XXXX | $1,152.96 | XXXX | $96.08 | 0.000% | 0.000% | 0.000% | XXXX | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,632.00 | 6.430% | $0.00 | 1.0 | N/A | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.86 | 0.54 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52931997 | N/A | No | No | XXXX | XXXX | 7.704% | $659.10 | $659.10 | 7.750% | No | No | US Citizen | 1 | XXXX | $936.24 | XXXX | $78.02 | 0.000% | 0.000% | 0.000% | XXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,840.00 | 6.430% | $2,300.00 | 2.9 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | XXXX | $33,295.89 | 28.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50867872 | N/A | No | No | XXXX | 6.732% | $1,400.97 | $1,400.97 | 6.750% | No | No | US Citizen | 1 | XXXX | $897.00 | XXXX | $74.75 | 0.000% | 0.000% | 0.000% | XXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $10,800.00 | 6.240% | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXX | $12,670.21 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56384506 | Non QM | Yes | No | XXXX | XXXX | 7.267% | $835.41 | $835.41 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $1,939.14 | 1 | XXXX | $1,298.04 | XXXX | $108.17 | 47.335% | 47.335% | 47.335% | XXXX | 751 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Other - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Other - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - No Results Returned - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $1,745.00 | 5.980% | $1,500.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $51,944.09 | 33.510% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.9 | No | $985.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51988630 | N/A | No | No | XXXX | XXXX | 7.233% | $600.76 | $600.76 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $2,196.77 | 1 | XXXX | $567.96 | XXXX | $47.33 | 38.839% | 38.839% | 38.839% | XXXX | 811 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-R - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $2,727.81 | 6.020% | $2,470.00 | 1.1 | None | Yes | No | 6.750% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $51,623.10 | 41.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.86 | No | No | $1,645.90 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50828918 | N/A | No | No | XXXX | 9.928% | $362.00 | $362.00 | 10.000% | No | No | US Citizen | 1 | XXXX | $1,153.32 | XXXX | $96.11 | 0.000% | 0.000% | 0.000% | XXXX | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 1.0 | No | No | 10.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | XXXX | $85,696.29 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 123.29 | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57382224 | N/A | No | No | XXXX | 6.856% | $1,005.10 | $1,005.10 | 6.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,683.96 | XXXX | $140.33 | 0.000% | 0.000% | 0.000% | XXXX | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,207.50 | 6.430% | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXX | $110,866.86 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 150.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54216451 | N/A | No | No | XXXX | XXXX | 3.857% | $777.01 | $777.01 | 7.375% | No | No | US Citizen | 1 | XXXX | $1,209.00 | XXXX | $100.75 | 0.000% | 0.000% | 0.000% | XXXX | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $3,000.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXX | $94,543.45 | 63.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 49.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55767084 | N/A | No | No | XXXX | 9.452% | $693.70 | $693.70 | 9.500% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,044.00 | XXXX | $87.00 | 0.000% | 0.000% | 0.000% | XXXX | 780 | 792 | 768 | 780 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 1.5 | No | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.71 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51261940 | N/A | No | No | XXXX | XXXX | 6.679% | $1,679.68 | $1,679.68 | 6.250% | No | No | Employed | Permanent Resident Alien | $3,180.29 | 1 | XXXX | $5,316.96 | XXXX | $443.08 | 39.371% | 39.371% | 39.371% | XXXX | 754 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $17,335.00 | 6.120% | $0.00 | 1.0 | None | Yes | No | 6.250% | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXX | $34,136.36 | 10.010% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | Resident Alien Card | 5.1 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53267479 | N/A | No | No | XXXX | XXXX | 6.440% | $2,430.44 | $2,430.44 | 6.125% | No | No | US Citizen | 1 | XXXX | $1,178.52 | XXXX | $98.21 | 0.000% | 0.000% | 0.000% | XXXX | 819 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $10,917.22 | 6.120% | $0.00 | 1.0 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | $460,156.22 | 65.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51754677 | N/A | No | No | XXXX | 5.996% | $1,515.20 | $1,515.20 | 5.999% | No | No | US Citizen | 1 | XXXX | $1,650.00 | XXXX | $137.50 | 0.000% | 0.000% | 0.000% | XXXX | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $15,162.47 | 6.020% | $0.00 | 2.9 | Yes | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXX | $509,927.60 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 242.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56148908 | N/A | No | No | XXXX | 7.493% | $1,452.93 | $1,452.93 | 7.499% | No | No | US Citizen | 1 | XXXX | $792.36 | XXXX | $66.03 | 0.000% | 0.000% | 0.000% | XXXX | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,300.00 | 6.220% | $0.00 | 1.0 | No | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | 240 | XXXX | $20,351.84 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56922890 | N/A | No | No | XXXX | 7.468% | $643.28 | $643.28 | 7.500% | No | No | US Citizen | 2 | XXXX | $1,854.00 | XXXX | $154.50 | 0.000% | 0.000% | 0.000% | XXXX | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,760.00 | 6.430% | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXX | $6,414.20 | 5.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53282603 | Non QM | Yes | No | XXXX | XXXX | 10.304% | $1,614.73 | $1,614.73 | 10.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,055.02 | 1 | XXXX | $1,599.96 | XXXX | $133.33 | 33.029% | 33.029% | 33.029% | XXXX | 648 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $7,559.36 | 6.430% | $0.00 | 1.9 | None | Yes | No | 10.000% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58883123 | N/A | No | No | XXXX | 7.824% | $532.72 | $532.72 | 7.871% | No | No | US Citizen | 1 | XXXX | $1,830.00 | XXXX | $152.50 | 0.000% | 0.000% | 0.000% | XXXX | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 1.0 | N/A | No | 7.871% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 67.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51276008 | N/A | No | No | XXXX | XXXX | 9.995% | $873.34 | $873.34 | 9.375% | No | No | US Citizen | 1 | XXXX | $1,578.72 | XXXX | $131.56 | 0.000% | 0.000% | 0.000% | XXXX | 696 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,817.50 | 6.430% | $0.00 | 2.2 | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54579372 | N/A | No | No | XXXX | XXXX | 6.983% | $1,091.04 | $1,091.04 | 7.000% | No | No | US Citizen | 1 | XXXX | $422.28 | XXXX | $35.19 | 0.000% | 0.000% | 0.000% | XXXX | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,591.77 | 6.100% | $5,000.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.84 | XXXX | $204,316.44 | 99.670% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 113.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56019878 | N/A | No | No | XXXX | 7.825% | $543.80 | $543.80 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,077.00 | XXXX | $89.75 | 0.000% | 0.000% | 0.000% | XXXX | 685 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 3.4 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 46.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58001698 | N/A | No | No | XXXX | XXXX | 6.232% | $15,068.74 | $15,068.74 | 6.125% | No | No | Not Employed | Not Employed | Employed | 22.54 | US Citizen | US Citizen | $78,242.81 | 1 | XXXX | $11,130.12 | XXXX | $927.51 | 22.947% | 22.947% | 22.947% | XXXX | 815 | 815 | 835 | 804 | Level 3-Stated/Partially Verified | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $125,640.00 | 6.020% | $10,000.00 | 1.0 | None | No | No | 6.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $1,543,108.58 | 49.770% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 44.73 | No | No | $0.00 | $101,543.87 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59245435 | N/A | No | No | XXXX | XXXX | 6.696% | $1,167.48 | $1,167.48 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,053.00 | XXXX | $87.75 | 0.000% | 0.000% | 0.000% | XXXX | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,860.00 | 6.100% | $6,000.00 | 2.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXX | $62,880.97 | 27.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.97 | Yes | 10.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51720694 | Non QM | Yes | No | XXXX | XXXX | 6.636% | $1,477.72 | $1,477.72 | 6.250% | No | No | Non-Employment Income | US Citizen | $9,646.31 | 1 | XXXX | $1,736.04 | XXXX | $144.67 | 26.317% | 26.317% | 26.317% | XXXX | 815 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $8,350.40 | 6.430% | $250.00 | 3.8 | None | Yes | No | 6.250% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | 120 | XXXX | $2,038,103.66 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 344.83 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54964655 | Non QM | Yes | No | XXXX | XXXX | 6.687% | $1,415.33 | $1,415.33 | 6.500% | No | No | Non-Employment Income | US Citizen | $7,309.17 | 1 | XXXX | $3,170.04 | XXXX | $264.17 | 30.503% | 30.503% | 30.503% | XXXX | 798 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $1,495.00 | 6.100% | $10,000.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | XXXX | $970,870.61 | 100.000% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50519679 | N/A | No | No | XXXX | XXXX | 8.402% | $573.53 | $573.53 | 7.875% | No | No | US Citizen | 1 | XXXX | $1,469.04 | XXXX | $122.42 | 0.000% | 0.000% | 0.000% | XXXX | 714 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,144.84 | 6.370% | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55499016 | N/A | No | No | XXXX | 7.451% | $799.82 | $799.82 | 7.499% | No | No | US Citizen | 1 | XXXX | $2,051.64 | XXXX | $170.97 | 0.000% | 0.000% | 0.000% | XXXX | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,432.00 | 6.430% | $0.00 | 1.0 | Yes | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.2 | XXXX | $153,066.93 | 86.960% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51927065 | N/A | No | No | XXXX | 7.332% | $1,208.68 | $1,208.68 | 7.375% | No | No | Non-Permanent Resident Alien | 1 | XXXX | $956.64 | XXXX | $79.72 | 0.000% | 0.000% | 0.000% | XXXX | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | $5,013.19 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53090410 | Non QM | Yes | No | XXXX | XXXX | 7.012% | $1,607.37 | $1,607.37 | 6.875% | No | No | Non-Employment Income | US Citizen | $2,897.29 | 1 | XXXX | $1,253.04 | XXXX | $104.42 | 45.920% | 45.920% | 45.920% | XXXX | 735 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $1,715.00 | 6.430% | $0.00 | 1.4 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | XXXX | $833,208.01 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59766399 | N/A | No | No | XXXX | 6.836% | $847.44 | $847.44 | 6.875% | No | No | US Citizen | US Citizen | 2 | XXXX | $1,128.72 | XXXX | $94.06 | 0.000% | 0.000% | 0.000% | XXXX | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,290.00 | 6.430% | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXX | $8,720.64 | 5.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 64.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 15 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58984851 | N/A | No | No | XXXX | 9.808% | $820.59 | $820.59 | 9.875% | No | No | US Citizen | 1 | XXXX | $1,958.88 | XXXX | $163.24 | 0.000% | 0.000% | 0.000% | XXXX | 673 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 1.0 | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51719096 | N/A | No | No | XXXX | 6.712% | $948.57 | $948.57 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,704.96 | XXXX | $142.08 | 0.000% | 0.000% | 0.000% | XXXX | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55706419 | Non QM | Yes | No | XXXX | XXXX | 10.046% | $5,844.63 | $5,844.63 | 10.000% | No | No | Self-Employed | US Citizen | $16,505.24 | 1 | XXXX | $479.04 | XXXX | $39.92 | 38.254% | 38.254% | 38.254% | XXXX | 703 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $1,656.26 | 6.430% | $0.00 | 1.0 | None | N/A | No | 10.000% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | $132,127.46 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57170140 | Non QM | Yes | No | XXXX | XXXX | 6.628% | $1,020.79 | $1,020.79 | 6.125% | No | No | Employed | US Citizen | $2,817.07 | 1 | XXXX | $471.00 | XXXX | $39.25 | 39.895% | 39.895% | 39.895% | XXXX | 772 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $6,418.84 | 6.430% | $3,786.00 | 2.2 | None | No | No | 6.125% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $190,317.97 | 90.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 90.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52110261 | N/A | No | No | XXXX | 9.436% | $739.31 | $739.31 | 9.490% | No | No | US Citizen | 1 | XXXX | $1,094.04 | XXXX | $91.17 | 0.000% | 0.000% | 0.000% | XXXX | 688 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | N/A | No | 9.490% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.56 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 56.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54974434 | N/A | No | No | XXXX | 7.567% | $1,581.45 | $1,581.45 | 7.599% | No | No | US Citizen | US Citizen | 1 | XXXX | $2,097.00 | XXXX | $174.75 | 0.000% | 0.000% | 0.000% | XXXX | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,480.00 | 6.120% | $0.00 | Yes | No | 7.599% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXX | $105,898.94 | 37.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57989085 | Non QM | Yes | No | XXXX | XXXX | 8.704% | $1,695.45 | $1,695.45 | 8.500% | No | No | Self-Employed | US Citizen | $7,473.89 | 1 | XXXX | $1,041.00 | XXXX | $86.75 | 23.148% | 23.148% | 23.148% | XXXX | 780 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $3,415.08 | 6.430% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $101,832.53 | 41.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53911372 | N/A | No | No | XXXX | 7.090% | $784.88 | $784.88 | 7.125% | No | No | US Citizen | 1 | XXXX | $1,006.80 | XXXX | $83.90 | 0.000% | 0.000% | 0.000% | XXXX | 699 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56423026 | Non QM | Yes | No | XXXX | XXXX | 6.899% | $2,461.27 | $2,461.27 | 6.840% | No | No | Self-Employed | US Citizen | $17,545.13 | 1 | XXXX | $1,446.00 | XXXX | $120.50 | 29.990% | 29.990% | 29.990% | XXXX | 764 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | XXXX | $1,636.68 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.840% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51098831 | N/A | No | No | XXXX | 6.623% | $1,255.01 | $1,255.01 | 6.625% | No | No | US Citizen | 1 | XXXX | $2,710.56 | XXXX | $225.88 | 0.000% | 0.000% | 0.000% | XXXX | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,840.00 | 6.020% | $0.00 | 1.9 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXX | $38,153.12 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58802524 | N/A | No | No | XXXX | 7.995% | $1,001.59 | $1,001.59 | 8.000% | No | No | US Citizen | 1 | XXXX | $2,718.60 | XXXX | $226.55 | 0.000% | 0.000% | 0.000% | XXXX | 661 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 4.2 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 76.81 | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51465765 | N/A | No | No | XXXX | 6.847% | $2,673.70 | $2,673.70 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,377.00 | XXXX | $114.75 | 0.000% | 0.000% | 0.000% | XXXX | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,350.00 | 6.430% | $0.00 | 2.2 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $31,143.41 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51490688 | N/A | No | No | XXXX | 6.239% | $1,570.08 | $1,570.08 | 6.250% | No | No | US Citizen | 1 | XXXX | $1,174.20 | XXXX | $97.85 | 0.000% | 0.000% | 0.000% | XXXX | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $12,749.00 | 6.300% | $0.00 | 1.8 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXX | $738,653.15 | 86.900% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 51.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59080237 | Non QM | Yes | No | XXXX | XXXX | 6.861% | $3,813.76 | $3,813.76 | 6.750% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $12,730.99 | 1 | XXXX | $1,077.36 | XXXX | $89.78 | 37.358% | 37.358% | 37.358% | XXXX | 812 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Social Security]; Other - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | XXXX | $4,835.00 | 5.980% | $5,000.00 | 2.5 | None | N/A | No | 6.750% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $332,310.35 | 45.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.65 | No | No | $1,880.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58955887 | N/A | No | No | XXXX | XXXX | 8.231% | $1,006.03 | $1,006.03 | 7.875% | No | No | US Citizen | 1 | XXXX | $2,694.00 | XXXX | $224.50 | 0.000% | 0.000% | 0.000% | XXXX | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,412.50 | 6.430% | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | $50,516.50 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58784066 | Non QM | Yes | No | XXXX | XXXX | 6.661% | $2,085.82 | $2,085.82 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $12,178.83 | 1 | XXXX | $522.96 | XXXX | $43.58 | 28.060% | 28.060% | 28.060% | XXXX | 708 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $4,636.50 | 6.430% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $17,278.78 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 5.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50251723 | N/A | No | No | XXXX | 6.725% | $2,075.51 | $2,075.51 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $2,484.00 | XXXX | $207.00 | 0.000% | 0.000% | 0.000% | XXXX | 776 | 776 | 804 | 769 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.370% | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | $495,952.53 | 68.880% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51051533 | Non QM | Yes | No | XXXX | XXXX | 10.161% | $3,948.74 | $3,948.74 | 9.999% | No | No | Self-Employed | US Citizen | $6,029.15 | 1 | XXXX | $1,493.88 | XXXX | $124.49 | 48.960% | 48.960% | 48.960% | XXXX | 748 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $17,681.13 | 6.220% | $12,974.56 | None | Yes | No | 9.999% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $12,257.65 | 2.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52896388 | Non QM | Yes | No | XXXX | XXXX | 7.479% | $1,972.57 | $1,972.57 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,260.77 | 1 | XXXX | $2,682.12 | XXXX | $223.51 | 28.462% | 28.462% | 28.462% | XXXX | 640 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,495.00 | 6.120% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $277,595.66 | 58.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53495292 | N/A | No | No | XXXX | XXXX | 6.475% | $1,769.61 | $1,769.61 | 6.499% | No | No | Permanent Resident Alien | 1 | XXXX | $1,100.28 | XXXX | $91.69 | 0.000% | 0.000% | 0.000% | XXXX | 774 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $11,200.00 | 6.370% | $15,272.00 | 1.0 | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXX | $171,878.54 | 44.860% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50060056 | N/A | No | No | XXXX | 6.986% | $3,841.73 | $3,841.73 | 6.999% | No | No | US Citizen | 2 | XXXX | $1,928.76 | XXXX | $160.73 | 0.000% | 0.000% | 0.000% | XXXX | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $23,100.00 | 6.370% | $0.00 | No | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59847086 | N/A | No | No | XXXX | 6.597% | $1,478.97 | $1,478.97 | 6.624% | No | No | US Citizen | US Citizen | 1 | XXXX | $2,415.96 | XXXX | $201.33 | 0.000% | 0.000% | 0.000% | XXXX | 706 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,240.00 | 6.370% | $0.00 | 1.0 | Yes | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | $24,607.59 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 104.78 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51581121 | N/A | No | No | XXXX | 6.981% | $1,392.80 | $1,392.80 | 6.999% | No | No | US Citizen | 1 | XXXX | $1,818.96 | XXXX | $151.58 | 0.000% | 0.000% | 0.000% | XXXX | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,552.00 | 6.370% | $0.00 | 1.0 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 240 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 107.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52916328 | N/A | No | No | XXXX | 7.214% | $736.75 | $736.75 | 7.250% | No | No | US Citizen | 3 | XXXX | $1,278.36 | XXXX | $106.53 | 0.000% | 0.000% | 0.000% | XXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,320.00 | 6.180% | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.86 | 0.54 | XXXX | $68,997.40 | 51.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 39.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59936515 | N/A | No | No | XXXX | 6.087% | $2,090.18 | $2,090.18 | 6.125% | No | No | US Citizen | 3 | XXXX | $5,174.76 | XXXX | $431.23 | 0.000% | 0.000% | 0.000% | XXXX | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $13,760.00 | 6.100% | $0.00 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.55 | XXXX | $215,537.41 | 50.120% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55234696 | N/A | No | No | XXXX | 7.455% | $2,781.25 | $2,781.25 | 7.500% | No | No | US Citizen | US Citizen | 2 | XXXX | $1,562.04 | XXXX | $130.17 | 0.000% | 0.000% | 0.000% | XXXX | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $13,350.00 | 6.250% | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | 240 | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 129.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56435028 | N/A | No | No | XXXX | 5.994% | $3,000.75 | $3,000.75 | 6.000% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,254.96 | XXXX | $104.58 | 0.000% | 0.000% | 0.000% | XXXX | 729 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,020.00 | 6.180% | $0.00 | 1.1 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXX | $294,247.69 | 38.210% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53638031 | N/A | No | No | XXXX | 7.218% | $835.67 | $835.67 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,173.84 | XXXX | $97.82 | 0.000% | 0.000% | 0.000% | XXXX | 646 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,125.00 | 6.180% | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 103.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53648809 | N/A | No | No | XXXX | 6.708% | $778.32 | $778.32 | 6.750% | No | No | US Citizen | 1 | XXXX | $2,513.04 | XXXX | $209.42 | 0.000% | 0.000% | 0.000% | XXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,000.00 | 6.060% | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXX | $1,000.00 | 0.660% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 99.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53065449 | N/A | No | No | XXXX | 6.372% | $642.59 | $642.59 | 6.375% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $877.56 | XXXX | $73.13 | 0.000% | 0.000% | 0.000% | XXXX | 744 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,120.00 | 6.140% | $0.00 | 1.1 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | XXXX | $175,545.40 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 168.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53248385 | N/A | No | No | XXXX | 7.737% | $886.56 | $886.56 | 7.750% | No | No | 0 | US Citizen | US Citizen | 2 | XXXX | $1,074.00 | XXXX | $89.50 | 0.000% | 0.000% | 0.000% | XXXX | 707 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,950.00 | 6.140% | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54994190 | N/A | No | No | XXXX | 7.342% | $1,619.63 | $1,619.63 | 7.375% | No | No | US Citizen | 1 | XXXX | $2,990.04 | XXXX | $249.17 | 0.000% | 0.000% | 0.000% | XXXX | 690 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,380.00 | 6.140% | $0.00 | 2.6 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.06 | XXXX | $46,758.87 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53458156 | N/A | No | No | XXXX | 6.479% | $1,200.93 | $1,200.93 | 6.500% | No | No | Permanent Resident Alien | 1 | XXXX | $831.00 | XXXX | $69.25 | 0.000% | 0.000% | 0.000% | XXXX | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.140% | $0.00 | 1.7 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.04 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56224738 | N/A | No | No | XXXX | XXXX | 8.595% | $922.70 | $922.70 | 8.500% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $2,992.68 | XXXX | $249.39 | 0.000% | 0.000% | 0.000% | XXXX | 751 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,345.00 | 6.140% | $2,000.00 | 1.5 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXX | $54,208.97 | 36.130% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56899275 | N/A | No | No | XXXX | 6.117% | $2,734.25 | $2,734.25 | 6.125% | No | No | US Citizen | 1 | XXXX | $1,420.68 | XXXX | $118.39 | 0.000% | 0.000% | 0.000% | XXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $18,000.00 | 6.130% | $0.00 | 1.0 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXX | $70,101.87 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59351141 | N/A | No | No | XXXX | 6.614% | $1,806.00 | $1,806.00 | 6.625% | No | No | US Citizen | US Citizen | 2 | XXXX | $951.00 | XXXX | $79.25 | 0.000% | 0.000% | 0.000% | XXXX | 791 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | 6.130% | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXX | $469,967.28 | 92.540% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 178.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55321307 | Non QM | Yes | No | XXXX | XXXX | 6.835% | $2,046.29 | $2,046.29 | 6.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,045.72 | 1 | XXXX | $1,959.96 | XXXX | $163.33 | 49.386% | 49.386% | 49.386% | XXXX | 726 | No | Yes | 24 | Business | 68.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2014 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2014 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $14,679.16 | 6.240% | $23,807.00 | 3.2 | None | N/A | No | 6.375% | 0 | 3 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $2,331.42 | 0.560% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.64 | No | No | $0.00 | $2,569.47 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52670316 | Non QM | Yes | No | XXXX | XXXX | 6.482% | $4,897.38 | $4,897.38 | 6.375% | No | No | Employed | US Citizen | $6,461.37 | 1 | XXXX | $2,898.96 | XXXX | $241.58 | 53.122% | 53.122% | 53.122% | XXXX | 749 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $8,165.00 | 6.180% | $0.00 | 2.8 | None | N/A | No | 6.375% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXX | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57401023 | Non QM | Yes | No | XXXX | XXXX | 7.625% | $2,573.11 | $2,573.11 | 7.500% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Cuba | Cuba | $5,663.98 | 1 | XXXX | $2,619.00 | XXXX | $218.25 | 41.696% | 41.696% | 41.696% | XXXX | 754 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $3,305.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | $175,000.68 | 38.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 18.33 | No | $4,857.30 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53120940 | Non QM | Yes | No | XXXX | XXXX | 6.326% | $1,323.79 | $1,323.79 | 6.250% | No | No | Self-Employed | US Citizen | $7,993.11 | 1 | XXXX | $3,701.04 | XXXX | $308.42 | 27.805% | 27.805% | 27.805% | XXXX | 785 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | XXXX | $1,395.00 | 6.130% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXX | $1,000.00 | 0.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.71 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52684412 | Non QM | Yes | No | XXXX | XXXX | 6.683% | $2,785.35 | $2,785.35 | 6.625% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $22,287.93 | 1 | XXXX | $987.96 | XXXX | $82.33 | 20.235% | 20.235% | 20.235% | XXXX | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $1,650.00 | 6.100% | $0.00 | 3.1 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | XXXX | $3,677,379.95 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.62 | No | No | $13,392.90 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52850450 | N/A | No | No | XXXX | 8.495% | $1,199.51 | $1,199.51 | 8.500% | No | No | Self-Employed | US Citizen | $110,602.43 | 1 | XXXX | $925.92 | XXXX | $77.16 | 14.701% | 14.701% | 14.701% | XXXX | 695 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | 6.140% | $0.00 | 1.0 | None | N/A | No | 8.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 174.68 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54978726 | N/A | No | No | XXXX | XXXX | 8.400% | $3,549.73 | $3,549.73 | 8.250% | No | No | Employed | US Citizen | $22,816.62 | 1 | XXXX | $858.00 | XXXX | $71.50 | 45.698% | 45.698% | 45.698% | XXXX | 790 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $28,813.90 | 6.230% | $0.00 | 3.7 | None | No | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXX | $75,006.09 | No | 34 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.82 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50648397 | N/A | No | No | XXXX | 7.816% | $1,207.24 | $1,207.24 | 7.875% | No | No | US Citizen | 1 | XXXX | $717.00 | XXXX | $59.75 | 0.000% | 0.000% | 0.000% | XXXX | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,325.00 | 6.750% | $0.00 | 1.2 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | XXXX | $722,497.77 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 403.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56261838 | N/A | No | No | XXXX | 6.838% | $960.76 | $960.76 | 6.875% | No | No | US Citizen | US Citizen | 1 | XXXX | $1,382.04 | XXXX | $115.17 | 0.000% | 0.000% | 0.000% | XXXX | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $1,462.50 | 6.190% | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXX | $142,194.56 | 72.920% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 73.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51591862 | N/A | No | No | XXXX | 6.487% | $1,580.01 | $1,580.01 | 6.499% | No | No | US Citizen | 1 | XXXX | $1,895.16 | XXXX | $157.93 | 0.000% | 0.000% | 0.000% | XXXX | 806 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $10,000.00 | 6.300% | $0.00 | 1.0 | Yes | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXX | $121,265.27 | 38.800% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50804096 | N/A | No | No | XXXX | 7.972% | $1,155.68 | $1,155.68 | 8.000% | No | No | US Citizen | 1 | XXXX | $1,455.00 | XXXX | $121.25 | 0.000% | 0.000% | 0.000% | XXXX | 692 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,875.00 | 6.190% | $0.00 | 1.0 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54548519 | N/A | No | No | XXXX | 6.734% | $9,138.75 | $9,138.75 | 6.750% | No | No | US Citizen | 1 | XXXX | $2,754.00 | XXXX | $229.50 | 0.000% | 0.000% | 0.000% | XXXX | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.060% | $0.00 | 2.8 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52089736 | N/A | No | No | XXXX | 6.096% | $778.05 | $778.05 | 6.125% | No | No | US Citizen | 1 | XXXX | $1,431.96 | XXXX | $119.33 | 0.000% | 0.000% | 0.000% | XXXX | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.250% | $0.00 | 1.0 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXX | $29,904.04 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 113.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54408387 | N/A | No | No | XXXX | 7.715% | $1,601.30 | $1,601.30 | 7.750% | No | No | US Citizen | 2 | XXXX | $1,272.00 | XXXX | $106.00 | 0.000% | 0.000% | 0.000% | XXXX | 679 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,940.68 | 6.170% | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXX | $4,629.42 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56027728 | N/A | No | No | XXXX | 7.496% | $727.18 | $727.18 | 7.500% | No | No | US Citizen | 1 | XXXX | $1,679.04 | XXXX | $139.92 | 0.000% | 0.000% | 0.000% | XXXX | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,496.00 | 6.060% | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $21,585.68 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 82.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55297278 | N/A | No | No | XXXX | 7.354% | $802.91 | $802.91 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,485.96 | XXXX | $123.83 | 0.000% | 0.000% | 0.000% | XXXX | 781 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | 6.140% | $0.00 | 1.5 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXX | $6,761.73 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50549865 | N/A | No | No | XXXX | 7.094% | $989.02 | $989.02 | 7.125% | No | No | US Citizen | 1 | XXXX | $2,208.00 | XXXX | $184.00 | 0.000% | 0.000% | 0.000% | XXXX | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,183.80 | 6.100% | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXX | $19,036.32 | 10.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58182543 | N/A | No | No | XXXX | 7.843% | $1,162.29 | $1,162.29 | 7.875% | No | No | US Citizen | 1 | XXXX | $844.80 | XXXX | $70.40 | 0.000% | 0.000% | 0.000% | XXXX | 662 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,412.00 | 6.100% | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58850683 | N/A | No | No | XXXX | XXXX | 6.607% | $1,061.87 | $1,061.87 | 6.500% | No | No | US Citizen | 1 | XXXX | $1,021.20 | XXXX | $85.10 | 0.000% | 0.000% | 0.000% | XXXX | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,668.00 | 6.100% | $0.00 | 2.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55367475 | N/A | No | No | XXXX | 6.710% | $667.41 | $667.41 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,391.16 | XXXX | $115.93 | 0.000% | 0.000% | 0.000% | XXXX | 688 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,778.30 | 6.100% | $0.00 | 2.2 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | XXXX | $32,506.85 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52169254 | N/A | No | No | XXXX | 6.834% | $680.58 | $680.58 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,174.20 | XXXX | $97.85 | 0.000% | 0.000% | 0.000% | XXXX | 688 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $2,849.00 | 6.100% | $0.00 | 3.7 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXX | $32,503.31 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 145.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59060643 | N/A | No | No | XXXX | 6.853% | $773.53 | $773.53 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,347.96 | XXXX | $112.33 | 0.000% | 0.000% | 0.000% | XXXX | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,710.00 | 6.100% | $0.00 | 2.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXX | $16,884.19 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51784117 | N/A | No | No | XXXX | 6.332% | $5,197.53 | $5,197.53 | 6.375% | No | No | 0 | 0 | US Citizen | US Citizen | Permanent Resident Alien | US Citizen | 1 | XXXX | $2,793.96 | XXXX | $232.83 | 0.000% | 0.000% | 0.000% | XXXX | 724 | 715 | 748 | 724 | 723 | 774 | 730 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.100% | $0.00 | 5.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | $98,161.83 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55034448 | N/A | Yes | No | No | XXXX | 6.728% | $753.67 | $753.67 | 6.750% | No | No | US Citizen | 1 | XXXX | $836.04 | XXXX | $69.67 | 0.000% | 0.000% | 0.000% | XXXX | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXX | $7,388.36 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 99.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53164161 | N/A | No | No | XXXX | 6.825% | $4,926.97 | $4,926.97 | 6.875% | No | No | US Citizen | 1 | XXXX | $2,334.00 | XXXX | $194.50 | 0.000% | 0.000% | 0.000% | XXXX | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $37,500.00 | 6.130% | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.77 | XXXX | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 121.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56845496 | N/A | No | No | XXXX | 8.475% | $1,297.54 | $1,297.54 | 8.500% | No | No | US Citizen | 1 | XXXX | $1,230.00 | XXXX | $102.50 | 0.000% | 0.000% | 0.000% | XXXX | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,437.50 | 6.130% | $0.00 | 2.6 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57154095 | N/A | No | No | XXXX | 6.484% | $1,611.54 | $1,611.54 | 6.500% | No | No | US Citizen | 1 | XXXX | $1,725.00 | XXXX | $143.75 | 0.000% | 0.000% | 0.000% | XXXX | 671 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.130% | $20,397.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXX | $113,165.46 | 33.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52761889 | N/A | No | No | XXXX | 6.964% | $898.16 | $898.16 | 7.000% | No | No | US Citizen | 1 | XXXX | $873.00 | XXXX | $72.75 | 0.000% | 0.000% | 0.000% | XXXX | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,400.00 | 6.130% | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.55 | XXXX | $64,958.92 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52004290 | N/A | No | No | XXXX | 7.220% | $1,458.16 | $1,458.16 | 7.250% | No | No | US Citizen | 3 | XXXX | $2,008.20 | XXXX | $167.35 | 0.000% | 0.000% | 0.000% | XXXX | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,198.75 | 5.980% | $5,700.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.13 | 0.47 | XXXX | $114,476.09 | 40.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55925891 | N/A | No | No | XXXX | 6.454% | $2,465.07 | $2,465.07 | 6.500% | No | No | US Citizen | US Citizen | 4 | XXXX | $3,699.24 | XXXX | $308.27 | 0.000% | 0.000% | 0.000% | XXXX | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $15,600.00 | 6.100% | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.61 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.79 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58027032 | Non QM | Yes | No | XXXX | XXXX | 6.603% | $1,834.18 | $1,834.18 | 6.375% | No | No | Self-Employed | US Citizen | $4,959.36 | 1 | XXXX | $2,196.00 | XXXX | $183.00 | 46.462% | 46.462% | 46.462% | XXXX | 802 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $6,342.26 | 6.250% | $118,983.75 | 1.6 | None | N/A | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $113,961.47 | 27.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50976450 | Non QM | Yes | No | XXXX | XXXX | 6.073% | $4,796.40 | $4,796.40 | 6.000% | No | No | Non-Employment Income | US Citizen | $21,263.14 | 1 | XXXX | $1,810.20 | XXXX | $150.85 | 27.529% | 27.529% | 27.529% | XXXX | 793 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXX | $1,650.00 | 6.140% | $2,500.00 | 3.2 | None | N/A | No | 6.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | XXXX | $4,922,877.89 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 56.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50573833 | N/A | No | No | XXXX | 5.986% | $2,455.16 | $2,455.16 | 6.000% | No | No | US Citizen | 1 | XXXX | $1,860.00 | XXXX | $155.00 | 0.000% | 0.000% | 0.000% | XXXX | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,475.00 | 5.990% | $0.00 | 1.0 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54382247 | Non QM | Yes | No | XXXX | XXXX | 8.746% | $2,566.25 | $2,566.25 | 8.500% | No | No | Employed | Employed | US Citizen | US Citizen | $7,033.42 | 1 | XXXX | $4,467.96 | XXXX | $372.33 | 37.319% | 37.319% | 37.319% | XXXX | 645 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXX | $6,401.25 | 6.100% | $0.00 | 1.0 | None | N/A | No | 8.500% | 2 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXX | $29,886.68 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.09 | No | $0.00 | $5,546.67 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58438101 | N/A | No | No | XXXX | 6.869% | $2,023.35 | $2,023.35 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,421.04 | XXXX | $118.42 | 0.000% | 0.000% | 0.000% | XXXX | 693 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $8,470.00 | 5.990% | $0.00 | 1.7 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58499784 | N/A | No | No | XXXX | 6.588% | $960.47 | $960.47 | 6.625% | No | No | US Citizen | 1 | XXXX | $314.04 | XXXX | $26.17 | 0.000% | 0.000% | 0.000% | XXXX | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,000.00 | 5.990% | $0.00 | 1.8 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 100.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51358116 | N/A | No | No | XXXX | XXXX | 6.880% | $2,065.00 | $2,065.00 | 6.625% | No | No | US Citizen | 3 | XXXX | $4,053.00 | XXXX | $337.75 | 0.000% | 0.000% | 0.000% | XXXX | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $20,587.13 | 5.990% | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $189,764.65 | 44.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57763509 | N/A | No | No | XXXX | 7.115% | $889.31 | $889.31 | 7.125% | No | No | US Citizen | 2 | XXXX | $1,029.96 | XXXX | $85.83 | 0.000% | 0.000% | 0.000% | XXXX | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,280.00 | 5.990% | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.97 | 0.51 | XXXX | $116,004.76 | 70.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 54.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 54072989 | N/A | No | No | XXXX | 5.989% | $1,199.10 | $1,199.10 | 6.000% | No | No | US Citizen | 1 | XXXX | $2,958.00 | XXXX | $246.50 | 0.000% | 0.000% | 0.000% | XXXX | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $10,000.00 | 5.980% | $0.00 | 1.0 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | XXXX | $40,751.86 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57523943 | N/A | No | No | XXXX | 6.721% | $1,203.80 | $1,203.80 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,369.20 | XXXX | $114.10 | 0.000% | 0.000% | 0.000% | XXXX | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,280.00 | 6.020% | $4,000.00 | 2.5 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXX | $108,778.95 | 46.880% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50795781 | N/A | No | No | XXXX | 6.728% | $2,201.99 | $2,201.99 | 6.750% | No | No | US Citizen | 1 | XXXX | $1,491.24 | XXXX | $124.27 | 0.000% | 0.000% | 0.000% | XXXX | 686 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $16,975.00 | 6.020% | $0.00 | 4.1 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 50254690 | N/A | No | No | XXXX | 7.121% | $1,158.80 | $1,158.80 | 7.125% | No | No | Permanent Resident Alien | US Citizen | 1 | XXXX | $1,727.52 | XXXX | $143.96 | 0.000% | 0.000% | 0.000% | XXXX | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.020% | $4,000.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | XXXX | $62,346.52 | 28.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52214373 | N/A | No | No | XXXX | 6.853% | $656.93 | $656.93 | 6.875% | No | No | US Citizen | 1 | XXXX | $942.00 | XXXX | $78.50 | 0.000% | 0.000% | 0.000% | XXXX | 710 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXX | $5,000.00 | 5.980% | $0.00 | 1.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXX | $46,073.93 | 36.850% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58044210 | N/A | No | No | XXXX | 6.735% | $1,255.69 | $1,255.69 | 6.750% | No | No | US Citizen | 4 | XXXX | $2,358.84 | XXXX | $196.57 | 0.000% | 0.000% | 0.000% | XXXX | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,680.00 | 6.020% | $2,000.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.55 | XXXX | $10,000.00 | 4.130% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 84.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59929564 | N/A | No | No | XXXX | 8.851% | $1,080.49 | $1,080.49 | 8.875% | No | No | US Citizen | 2 | XXXX | $879.00 | XXXX | $73.25 | 0.000% | 0.000% | 0.000% | XXXX | 701 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.120% | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53742915 | N/A | No | No | XXXX | 7.608% | $9,441.97 | $9,441.97 | 7.625% | No | No | US Citizen | 4 | XXXX | $5,922.96 | XXXX | $493.58 | 0.000% | 0.000% | 0.000% | XXXX | 688 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $66,700.00 | 6.120% | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58958342 | N/A | No | No | XXXX | 6.457% | $1,256.24 | $1,256.24 | 6.500% | No | No | US Citizen | 1 | XXXX | $930.00 | XXXX | $77.50 | 0.000% | 0.000% | 0.000% | XXXX | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $9,937.50 | 6.220% | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXX | $86,890.42 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 51.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 52068523 | N/A | No | No | XXXX | 7.190% | $1,096.94 | $1,096.94 | 7.250% | No | No | US Citizen | 1 | XXXX | $938.04 | XXXX | $78.17 | 0.000% | 0.000% | 0.000% | XXXX | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $6,432.00 | 6.100% | $6,000.00 | 1.8 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXX | $183,474.32 | 91.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 95.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57196498 | N/A | No | No | XXXX | 6.373% | $1,472.33 | $1,472.33 | 6.375% | No | No | 0 | Permanent Resident Alien | US Citizen | 1 | XXXX | $1,347.00 | XXXX | $112.25 | 0.000% | 0.000% | 0.000% | XXXX | 709 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $3,776.00 | 6.160% | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXX | $1,000.00 | 0.330% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 276.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 56660186 | N/A | No | No | XXXX | 7.212% | $818.61 | $818.61 | 7.250% | No | No | US Citizen | 2 | XXXX | $1,829.04 | XXXX | $152.42 | 0.000% | 0.000% | 0.000% | XXXX | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $4,800.00 | 6.100% | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2 | 0.5 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55884053 | N/A | No | No | XXXX | 7.330% | $2,855.94 | $2,855.94 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $1,182.96 | XXXX | $98.58 | 0.000% | 0.000% | 0.000% | XXXX | 768 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 5.980% | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59436431 | N/A | No | No | XXXX | 7.454% | $2,249.72 | $2,249.72 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | XXXX | $822.96 | XXXX | $68.58 | 0.000% | 0.000% | 0.000% | XXXX | 768 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXX | 6.430% | $0.00 | 1.7 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 48.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57071637 | N/A | No | No | XXXX | 6.847% | $1,241.60 | $1,241.60 | 6.875% | No | No | US Citizen | 1 | XXXX | $1,306.32 | XXXX | $108.86 | 0.000% | 0.000% | 0.000% | XXXX | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,560.00 | 6.120% | $0.00 | 1.2 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 105.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 59392569 | N/A | No | No | XXXX | 6.969% | $1,051.18 | $1,051.18 | 7.000% | No | No | US Citizen | 1 | XXXX | $1,044.96 | XXXX | $87.08 | 0.000% | 0.000% | 0.000% | XXXX | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $7,900.00 | 6.430% | $1,612.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXX | $95,640.51 | 43.870% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.23 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 53319645 | N/A | No | No | XXXX | 7.220% | $750.39 | $750.39 | 7.250% | No | No | US Citizen | 1 | XXXX | $1,953.00 | XXXX | $162.75 | 0.000% | 0.000% | 0.000% | XXXX | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $5,500.00 | 6.220% | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55786045 | N/A | No | No | XXXX | 6.235% | $1,443.86 | $1,443.86 | 6.250% | No | No | US Citizen | 1 | XXXX | $2,477.28 | XXXX | $206.44 | 0.000% | 0.000% | 0.000% | XXXX | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $11,725.00 | 6.430% | $3,000.00 | 1.0 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXX | $372,809.36 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 125.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 55251552 | N/A | No | No | XXXX | XXXX | 6.683% | $1,207.81 | $1,207.81 | 6.375% | No | No | US Citizen | 1 | XXXX | $833.04 | XXXX | $69.42 | 0.000% | 0.000% | 0.000% | XXXX | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $14,432.00 | 6.120% | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXX | $28,385.69 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.25 | Yes | 12.000% | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57506836 | N/A | No | No | XXXX | 6.232% | $1,311.48 | $1,311.48 | 6.250% | No | No | US Citizen | 1 | XXXX | $836.04 | XXXX | $69.67 | 0.000% | 0.000% | 0.000% | XXXX | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXX | $10,650.00 | 6.430% | $9,275.47 | 1.0 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | XXXX | $148,924.09 | 41.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58692511 | Non QM | Yes | No | XXXX | XXXX | 9.357% | $802.43 | $802.43 | 8.750% | No | No | Self-Employed | US Citizen | $4,047.76 | 1 | XXXX | $3,324.00 | XXXX | $277.00 | 36.737% | 36.737% | 36.737% | XXXX | 755 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $4,784.98 | 6.130% | $0.00 | 1.8 | None | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXX | $36,573.82 | 30.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.32 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 51125058 | Non QM | Yes | No | XXXX | XXXX | 10.290% | $4,772.26 | $4,772.26 | 10.000% | No | No | Self-Employed | US Citizen | $30,252.03 | 1 | XXXX | $2,907.96 | XXXX | $242.33 | 34.495% | 34.495% | 34.495% | XXXX | 687 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $10,356.05 | 6.020% | $0.00 | 2.7 | None | N/A | No | 10.000% | 0 | 0 | 0 | 6 | 0 | 12 | 0.00 | No | XXXX | $162,425.72 | 26.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 57750052 | Non QM | Yes | No | XXXX | XXXX | 9.310% | $3,071.95 | $3,071.95 | 9.250% | No | No | Self-Employed | US Citizen | $26,956.17 | 1 | XXXX | $1,027.80 | XXXX | $85.65 | 26.310% | 26.310% | 26.310% | XXXX | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $1,590.00 | 6.120% | $0.00 | 1.0 | None | N/A | No | 9.250% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXX | $440.00 | 0.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [redacted] | [redacted] | [redacted] | [redacted] | 58032327 | Non QM | Yes | No | XXXX | XXXX | 9.440% | $19,837.22 | $19,837.22 | 9.375% | No | No | Self-Employed | US Citizen | $35,333.69 | 1 | XXXX | $9,068.04 | XXXX | $755.67 | 42.638% | 42.638% | 42.638% | XXXX | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXX | $11,885.00 | 6.120% | $0.00 | None | N/A | No | 9.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXX | $388,948.28 | 14.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.29 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 |