Exhibit 99.29

 

Loan ID Seller Loan ID Field Name Verified Value Bid Tape Value Comment
25 Qualifying CLTV XXX XXX Per Appraisal and current balance
25 Qualifying Total Debt Income Ratio XXX XXX The subject loan was approve under the XXX month bank Statement program. The Lender used income XXX Audit used income XXX based on XXX% expense ratio used on Lender income worksheet. Audit excluded XXX more in deposits for the month of  XXX. The DTI increased from XXX% to XXX%. Additionally, the Lender included the taxes and insurance on the subject XXX. The Final 1003 reflects income of XXX for the Co-Borrower but an income worksheet was not included for that Borrower.
383 Loan Type XXX XXX per loan documents
383 Maturity Date XX/XX/XXXX XX/XX/XXXX maturity is correct
383 First Payment Date XX/XX/XXXX XX/XX/XXXX Mapping
383 Verified Doc Type XXX XXX DSCR spelled
383 Qualifying CLTV XXX XXX Rounding, used same value per monthrtgage Balance
383 Calculated DSCR XXX XXX matched, lenders rounding
383 Qualifying All Borrower Residual Income $XXX $XXX no income presented in file or re-reviewed documents
376 Qualifying CLTV XXX XXX $XXX/$XXX=XXX%
376 Qualifying All Borrower Residual Income $XXX $XXX There is no guideline residual income requirement
393 MIN No XXX XXX MIN # on the mortgage is XXX
393 Qualifying LTV XXX XXX Rounding.
393 Qualifying CLTV XXX XXX Used the most recent mortgage Statement.
393 Qualifying All Borrower Residual Income $XXX $XXX Residual income documented as $XXX/m.
382 MIN No XXX XXX Per Deed
382 Qualifying All Borrower Residual Income $XXX $XXX Per income docs
22 Qualifying Total Debt Income Ratio XXX XXX XXX% DTI per audit review. XXX indicates XXX in consumer debt. Audit review, per credit report (and 1003) indicate only XXX in consumer. The variance does not cause the DTI to exceed XXX limit.
366 Qualifying Total Reserves Number of Months XXX XXX Per cash out/CD
32 Application Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, Per Initial 1003.
32 Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX per compliance.
32 Qualifying Total Debt Income Ratio XXX XXX XXX% DTI per audit review. There is a XXX variance in the lender's consumer debts (per XXX) and the audit review of the consumer debts, per XXX.
36 Application Date XX/XX/XXXX XX/XX/XXXX Updated Per Initial 1003.
392 MIN No XXX XXX Verified to Deed
392 Application Date XX/XX/XXXX XX/XX/XXXX Verified to LO signature initial 1003
392 Qualifying All Borrower Residual Income $XXX $XXX Based on verified income and total debts
378 First Payment Date XX/XX/XXXX XX/XX/XXXX Note confirms XXX is XX/XX/XXXX
378 Maturity Date XX/XX/XXXX XX/XX/XXXX Note confirms XXX is XX/XX/XXXX
378 MIN No XXX XXX Audit MIN confirmed from the Deed of Trust.
378 Property Type XXX XXX Audit XXX confirmed from the Appraisal.
378 Qualifying All Borrower Residual Income $XXX $XXX Audit residual income is calculated by taking the total income minus the total liabilities.
387 Loan Type XXX XXX Per approval
387 MIN No XXX XXX Per DOT
387 Verified Doc Type XXX XXX Mapping error
387 Calculated DSCR XXX XXX True data used PITI/ lender rent used
387 Qualifying All Borrower Residual Income $XXX $XXX DSCR no income calculated
373 Property Value $XXX $XXX The appraisal dated XX/XX/XXXX valued the property at XXX
373 Verified Doc Type XXX XXX The data is the same
373 Qualifying LTV XXX XXX XXX /$XXX=XXX
373 Qualifying CLTV XXX XXX XXX +$XXX=$XXX/$XXX=XXX
373 Qualifying All Borrower Residual Income $XXX $XXX There is no guideline residual income requirement.
364 MIN No XXX XXX Updated as per XXX.
364 Prepayment Penalty Total Term XXX XXX No XXX as per XXX.
364 Verified Doc Type XXX XXX As per WVOE cover XXX years of Documentation hence updated XXX Year Full Doc.
364 Qualifying FICO XXX XXX Verified per Credit report
364 Qualifying CLTV XXX XXX Confirmed with Loan Approval ifference is due to rounding
364 Prepayment Penalty XXX XXX No XXX as per XXX.
364 Qualifying All Borrower Residual Income $XXX $XXX Residual Income is lower due to lower verified income at audit
388 Loan Type XXX XXX Confirmed with 1003 and XXX
388 Number of Units XXX XXX Confirmed with appraisal and 1003
388 MIN No XXX XXX confirmed with mortgage
388 Application Date XX/XX/XXXX XX/XX/XXXX confirmed with initial 1003
388 Verified Doc Type XXX XXX confirmed with 1003 and XXX
388 Calculated DSCR XXX XXX Confirmed with lease agreement, operating agreement
388 Qualifying All Borrower Residual Income $XXX $XXX confirmed with guideline
367 MIN No XXX XXX MIN was verified on the mortgage document
367 Qualifying CLTV XXX XXX CLTV discrepancy is due to rounding on the tape data
367 Qualifying All Borrower Residual Income $XXX $XXX Residual income is verified as $ XXX
385 Loan Type XXX XXX XXX is DSCR on lender approval.
385 MIN No XXX XXX MIN number updated as per XXX
385 Property Value $XXX $XXX XXX updated as per XXX
385 Verified Doc Type XXX XXX XXX is DSCR on lender approval.
385 Qualifying LTV XXX XXX Confirmed LTV on XXX
385 Qualifying CLTV XXX XXX Lender Used Higher XXX, Using credit supplement balance as most recent.
385 Calculated DSCR XXX XXX XXX Ratio is XXX appears tape is rounding.
385 Qualifying All Borrower Residual Income $XXX $XXX XXX as doc type is DSCR.
381 MIN No XXX XXX XXX Per Mortgage XXX
381 Qualifying All Borrower Residual Income $XXX $XXX XXX-$XXX
363 MIN No XXX XXX MIN number confirmed using Mortgage.
363 Qualifying CLTV XXX XXX CLTV calculated using 1st lien balance per credit report.
363 Qualifying All Borrower Residual Income $XXX $XXX Residual income based on verified income and total debts.
370 MIN No XXX XXX XXX- Per Deed
370 Qualifying CLTV XXX XXX XXX-Total Loan Amount/ Appraised Value=$XXX%.
370 Qualifying All Borrower Residual Income $XXX $XXX XXX-$XXX
362 MIN No XXX XXX Verified correct MIN number from the Deed of Trust/SI.
362 Qualifying All Borrower Residual Income $XXX $XXX Verified the minimum residual income is not required per applicable guidelines.
368 Qualifying FICO XXX XXX Per XXX p.XXX
368 Qualifying CLTV XXX XXX Used value XXX p.XXX
368 Qualifying Total Reserves Number of Months XXX XXX Cashout used for reserves
368 Qualifying All Borrower Residual Income $XXX $XXX Min residual XXX
377 Qualifying CLTV XXX XXX Verified from Note, UPB of 1st lien from CBR or more recent mortgage Statement, + XXX for all other debt divided by the Appraised Value from the Full Appraisal.
377 Qualifying Total Reserves Number of Months XXX XXX Verified per lender guides.
377 Qualifying All Borrower Residual Income $XXX $XXX Verified per lender guides.
369 Application Date XX/XX/XXXX XX/XX/XXXX Initial 1003 date XX/XX/XXXX
369 Qualifying CLTV XXX XXX Rounding
369 Qualifying Total Reserves Number of Months XXX XXX Cash out covers reserves
369 Qualifying All Borrower Residual Income $XXX $XXX Residual not required DTI <XXX%
372 Qualifying Total Reserves Number of Months XXX XXX Verified via Lender guidelines and final CD via cash out.
372 Qualifying All Borrower Residual Income $XXX $XXX Verified by lender guidelines against XXX DTI ratio and HPML status.
365 Verified Doc Type XXX XXX File contains XXX years verified income for the co-borrower, who was the higher wage earner.
365 Qualifying CLTV XXX XXX Audit CLTV is based on the subject 2nd lien plus the 1st lien balance divided by the appraisal value.
365 Property Type XXX XXX Audit XXX confirmed from the appraisal.
365 Qualifying Total Reserves Number of Months XXX XXX Audit reserves are based on the subject cash out proceeds.
365 Prepayment Penalty XXX XXX Note does not contain a Prepay. Condition added for a Prepay reflected on the XXX and Loan Details report.
365 Qualifying All Borrower Residual Income $XXX $XXX Audit residual income is calculated by taking the total income minus the total liabilities.
384 Loan Type XXX XXX DSCR per Lender approval XXX
384 Application Date XX/XX/XXXX XX/XX/XXXX Initial 1003
384 Verified Doc Type XXX XXX DSCR loan
384 Qualifying Total Reserves Number of Months XXX XXX Per cash out
384 Calculated DSCR XXX XXX DSCR is slightly different, using actual taxes and insurance as per the documentation in file. Lender used the PITIA payment of the first mortgage to calculate the DSCR.
384 Qualifying All Borrower Residual Income $XXX $XXX DSCR
386 Loan Type XXX XXX The XXX is DSCR
386 Prepayment Penalty Total Term XXX XXX There is no XXX
386 Verified Doc Type XXX XXX The XXX is DSCR
386 Qualifying CLTV XXX XXX $XXX+$XXX=$XXX/$XXX=XXX%
386 Qualifying LTV XXX XXX $XXX/$XXX=XXX
386 Qualifying Total Reserves Number of Months XXX XXX The post closing assets =XXX months reserves
386 Prepayment Penalty XXX XXX There is no XXX in the terms of the note.
386 Qualifying All Borrower Residual Income $XXX $XXX There is no guideline residual income requirement
398 ULI XXX XXX True Data XXX verified with Final 1003
398 Qualifying LTV XXX XXX LTV verified
398 Qualifying Total Reserves Number of Months XXX XXX Reserves verified with Cashout proceeds
398 Qualifying All Borrower Residual Income $XXX $XXX True Data Residual Income verified
400 Loan Type XXX XXX XXX verified as DSCR
400 MIN No XXX XXX Minn has been verified as XXX
400 Verified Doc Type XXX XXX Doc Type has been confirmed as DSCR
400 Property Type XXX XXX Per Appraisal - Project name Is XXX
400 Qualifying CLTV XXX XXX True Data is actual of XXX - Tape Data has been rounded to XXX
400 Calculated DSCR XXX XXX True Data is actual - Tape Data has been rounded
400 Qualifying All Borrower Residual Income $XXX $XXX Residual Income not required
371 Property Value $XXX $XXX Verified per the Full Appraisal (ie: XXX ) used as the Primary Value.
371 Qualifying LTV XXX XXX Verified the loan amount from the Note divided by the Appraised Value from the full appraisal (ie: XXX ) used as the Primary Value.
371 Qualifying CLTV XXX XXX Verified the loan amount from the 2nd Lien Note, the most recent UPB from the CBR or the Mortgage Statement on 1st lien, added all monthly debt/housing expenses from the CBR and all PITIA documentation, divided by the Appraised Value pulled from the Full Appraisal (ie: XXX ) which was used as the Primary Value.
371 Qualifying Total Reserves Number of Months XXX XXX Verified if required per Lender guides and compared to applicable assets available or net proceeds via final CD.
371 Qualifying All Borrower Residual Income $XXX $XXX Verified per Lender guidelines and checked against Final 1003 (XXX).
389 Loan Type XXX XXX DSCR review
389 Verified Doc Type XXX XXX DSCR review
389 Qualifying CLTV XXX XXX AVM used
389 Qualifying Total Reserves Number of Months XXX XXX Cash-out used for reserves
389 Calculated DSCR XXX XXX DSCR >=XXX thus no impact. Audit DSCR higher due to all liens and escrows used.
389 Qualifying All Borrower Residual Income $XXX $XXX Residual not required on DSCR
399 Maturity Date XX/XX/XXXX XX/XX/XXXX Verified with the Note
399 First Payment Date XX/XX/XXXX XX/XX/XXXX Verified with the Note
399 ULI XXX XXX Verified with the Final 1003
399 Qualifying Total Reserves Number of Months XXX XXX Verified with the asset Statement and cash out.
399 Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
410 Loan Type XXX XXX Verified per Final 1003/XXX, lock agreement.
410 MIN No XXX XXX Verified per DOT.
410 Verified Doc Type XXX XXX Verified via Lock Agreement, XXX and XXX.
410 Calculated DSCR XXX XXX Verified per Diligence Final Look against total Rent / PITIA.
410 Qualifying All Borrower Residual Income $XXX $XXX Verified per Lender guidelines and Final 1003.
405 Loan Type XXX XXX Per lock p.XXX DSCR review
405 MIN No XXX XXX Updated as per the Mortgage p.XXX
405 Verified Doc Type XXX XXX Lock p.XXX shows DSCR
405 Calculated DSCR XXX XXX Rounding
405 Qualifying All Borrower Residual Income $XXX $XXX For DSCR file residual income not required.
395 Qualifying Total Reserves Number of Months XXX XXX Cash out used
395 Qualifying All Borrower Residual Income $XXX $XXX Min XXX
401 Loan Type XXX XXX Verified loan is DSCR using guideline matrix and loan approval
401 Verified Doc Type XXX XXX Verified loan is DSCR using guideline matrix and loan approval
401 Qualifying Total Reserves Number of Months XXX XXX Verified assets using cash proceeds
401 Qualifying All Borrower Residual Income $XXX $XXX No Ratio, residual income not required
391 Qualifying Total Reserves Number of Months XXX XXX Cash out used for reserves
391 Qualifying All Borrower Residual Income $XXX $XXX min residual met XXX
397 Qualifying Total Reserves Number of Months XXX XXX Verified with the cash out.
397 Qualifying All Borrower Residual Income $XXX $XXX Verified with the income and liabilities.
408 Loan Type XXX XXX XXX- Per Lock DSCR
408 Verified Doc Type XXX XXX XXX- Per Lock XXX
408 Calculated DSCR XXX XXX XXX- Per Lock DSCR- XXX Income $XXX/PITIA-$XXX=XXX
408 Qualifying All Borrower Residual Income $XXX $XXX Residual Income is not required on DSCR Loans.
651 Application Date XX/XX/XXXX XX/XX/XXXX XXX was confirmed with Initial 1003
651 Qualifying Total Debt Income Ratio XXX XXX There is a DTI discrepancy between the lender’s calculation and ours due to a XXX difference in the XXX Because of this, the DTIs are not matching
657 Application Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, Per Initial 1003.
657 Qualifying Total Debt Income Ratio XXX XXX XXX% DTI per audit review. The credit report provided in file indicates the total debt to be XXX The XXX/1003 indicate the total debt to be XXX There is a variance of XXX The credit report is XXX days < XXX days from note date, as required per guidelines.
402 Loan Type XXX XXX Verified by 1003, XXX Loan Approval and Lock Agreement.
402 Verified Doc Type XXX XXX Verified via Lock Agreement, Loan Approval, XXX against qualifying documentation provided.
402 Qualifying Total Reserves Number of Months XXX XXX Verified if required per XXX guides per loan amount via the Note and verified applicable assets available or net cash out received per final CD.
402 Calculated DSCR XXX XXX Calculated gross rent / PITIA and confirmed min requirement per XXX and verified results per XXX.
402 Qualifying All Borrower Residual Income $XXX $XXX Verified if required per XXX.
375 Qualifying Total Reserves Number of Months XXX XXX Per cash out
375 Qualifying All Borrower Residual Income $XXX $XXX Per verified income
404 Loan Type XXX XXX Updated as per Loan Package
404 MIN No XXX XXX Confirmed and Updated as per Deed of Trust Document
404 Verified Doc Type XXX XXX Updated as per Loan Package
404 Calculated DSCR XXX XXX Calculated Debt-Service Coverage Ratio = Gross Rental Income /PITIA
404 Qualifying All Borrower Residual Income $XXX $XXX Qualified as per Guidelines
379 Verified Doc Type XXX XXX Verified via Lock Agreement, Loan Approval, XXX against qualifying documentation provided.
379 Qualifying CLTV XXX XXX Verified from Note, lowest UPB from Existing 1st Lien Mtg Stmt or CBR (if applicable) and Appraisal.
379 Qualifying All Borrower Residual Income $XXX $XXX Verified per Lender guidelines and checked against Final 1003 (dependents), qualifying XXX DTI ratio and Compliance Report for HPML Status. Qualifying residual income is calculated by reducing expenses from the qualifying income.
653 Application Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Per Initial 1003.
653 Qualifying Total Debt Income Ratio XXX XXX XXX% DTI per audit review (<XXX% variance). The lender included the first lien payment of XXX The actual payment is $XXX.
667 Application Date XX/XX/XXXX XX/XX/XXXX The initial 1003 (Section XXX: Loan Originator Information) shows an XXX of XX/XX/XXXX.
667 Property Value $XXX $XXX The appraisal reflects a XXX of $XXX; however, the lender used an appraised value of XXX Supporting documentation (1004D) is missing.
667 Qualifying CLTV XXX XXX Manual calculation of CLTV: Loan amount XXX + 1st Lien Unpaid Balance XXX = XXX ÷ Appraised Value XXX × XXX = XXX%. However, the lender used an appraised value of XXX resulting in an CLTV of 67.58%.
667 Qualifying LTV XXX XXX Manual LTV calculation: XXX ÷ XXX × XXX = XXX%. However, the lender used an appraised value of XXX resulting in an LTV of 19.01%.
667 Qualifying Total Debt Income Ratio XXX XXX Manual DTI calculation: Total monthly liabilities of XXX ÷ total qualifying income of XXX × XXX = XXX%. Lender-calculated DTI: Total monthly liabilities of XXX ÷ total qualifying income of XXX × XXX = XXX%. XXX #XXX reflects a charged-off account with a balance of $XXX; a XXX% payment of XXX was included by the lender in the DTI calculation. The remaining difference of XXX is unable to be verified.
406 Loan Type XXX XXX Loan is a DSCR Confirmed and Updated as Per Loan Details.
406 MIN No XXX XXX XXX Updated as Per Deed of Trust.
406 Verified Doc Type XXX XXX Loan is a DSCR Confirmed and Updated as Per Loan Details.
406 Calculated DSCR XXX XXX XXX is XX/XX/XXXX only.
406 Qualifying All Borrower Residual Income $XXX $XXX Loan is DSCR, hence residual Income not Updated
403 Loan Type XXX XXX Verified with the approval and lock
403 Verified Doc Type XXX XXX Verified with the approval and lock
403 Qualifying Total Reserves Number of Months XXX XXX Verified with the cash out.
403 Qualifying All Borrower Residual Income $XXX $XXX verified with the liabilities
652 Application Date XX/XX/XXXX XX/XX/XXXX Updated Per Initial 1003
652 Qualifying CLTV XXX XXX Updated per appraisal and loan amounts
652 Qualifying Total Debt Income Ratio XXX XXX Updated per liabilities - slight difference in subject PITIa causing the discrepancy.
407 Loan Type XXX XXX True data reflects confirmed XXX is DSCR.
407 MIN No XXX XXX True data field reflects the confirmed MIN on the Deed in file.
407 ULI XXX XXX True data field reflects ULI from sign Final 1003 in file.
407 Verified Doc Type XXX XXX True data reflects confirmed XXX is DSCR.
407 Qualifying Total Reserves Number of Months XXX XXX True data field reflects that there is no documentation in file to support assets.
407 Calculated DSCR XXX XXX DSCR discrepancy due to differing housing expense calculations. True data DSCR of XXX was calculated using separate p&I, taxes, and insurance amounts, while Originator DSCR of XX/XX/XXXX appears to include the escrowed mortgage payment along with taxes and insurance, resulting in higher total housing expense
407 Qualifying All Borrower Residual Income $XXX $XXX DSCR discrepancy due to differing housing expense calculations. True data DSCR of XXX was calculated using separate p&I, taxes, and insurance amounts, while Originator DSCR of XX/XX/XXXX appears to include the escrowed mortgage payment along with taxes and insurance, resulting in higher total housing expense
380 Qualifying CLTV XXX XXX Used lower balance for 1st lien from Statement pg.XXX
380 Qualifying Total Reserves Number of Months XXX XXX Loan proceeds used for reserves.
380 Qualifying All Borrower Residual Income $XXX $XXX Min met XXX
409 Loan Type XXX XXX DSCR IS XXX
409 Verified Doc Type XXX XXX XXX IS DSCR
409 Qualifying CLTV XXX XXX based on latest 1st mtg balance and appraisal
409 Qualifying Total Reserves Number of Months XXX XXX no assets needed
409 Qualifying All Borrower Residual Income $XXX $XXX as verified
396 MIN No XXX XXX Per the subject mortgage.
396 Qualifying Total Reserves Number of Months XXX XXX Per the final CD.
396 Qualifying All Borrower Residual Income $XXX $XXX Per the income and all liabilities verification documents in the loan file.
723 Application Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003, the XXX is XX/XX/XXXX
723 Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX Per final CD
723 Qualifying CLTV XXX XXX Tape data of XXX is rounded. Audit is XXX.
731 Property City XXX XXX XXX is Updated As Per Note
731 Application Date XX/XX/XXXX XX/XX/XXXX XXX updated As Per Initial 1003
731 Qualifying CLTV XXX XXX CLTV Updated As Per Appraisal document
731 Qualifying Total Debt Income Ratio XXX XXX Audit DTI of XXX is due to the borrower’s self-employment XXX verified income calculation. To calculate the borrower’s self-employment income required XXX months bank Statements; however, the bank Statement for the month of XXX was missing from the loan file. As a result, the monthly income was verified as XXX instead of the origination monthly income of XXX which resulted in the audit DTI of XXX. The origination DTI is XXX the difference is XXX. The audit DTI of XXX does not exceed max allowed of XXX%
724 Qualifying Total Debt Income Ratio XXX XXX Audit DTI is XXX due to, the total other monthly payments and taxes and hoi payments for the subject property. Per the XXX all other monthly payments used in qualifying the subject loan totaled $XXX; however, per the Final 1003, credit report, and final CD the total all other monthly payments are XXX The difference is XXX The subject property, XXX , 1st lien P&I payment includes escrows for taxes and HOI, Page XXX of the loan file. Per the Final 1003 and XXX the 1st lien monthly payment is $XXX. Monthly P&I payment was verified as XXX per mortgage Statement, taxes were verified as XXX and monthly HOI was verified as $XXX. The audit DTI is XXX and origination DTI of XXX has a difference of XXX and does not exceed max allowed DTI of XXX%
726 Application Date XX/XX/XXXX XX/XX/XXXX Per the initial 1003, the XXX is XX/XX/XXXX.
726 Qualifying CLTV XXX XXX The audit XXX is XXX. The subject property appraisal disclosed the XXX as XXX and matches what was used at origination, per the XXX The subject loan amount is XXX per the subject note and matches what was used at origination, per the XXX The CLTV is calculated as XXX. The origination CLTV, per the XXX was XXX the difference is XXX.
733 Application Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, Per Initial 1003.
733 Qualifying LTV XXX XXX < XX/XX/XXXX variance
733 Qualifying Total Debt Income Ratio XXX XXX XXX% DTI per audit review. The credit report and the 1003 have a variance of XXX in consumer debt.
728 Application Date XX/XX/XXXX XX/XX/XXXX from 1003
728 Qualifying CLTV XXX XXX based on latest first mortgage balance from credit supplement
728 Qualifying Total Debt Income Ratio XXX XXX based on verified income
742 Qualifying Total Debt Income Ratio XXX XXX DTI difference calculated due to other REO payment per XXX higher than lender payment amount sourced to update in escrow amounts.
745 Application Date XX/XX/XXXX XX/XX/XXXX Verified to 1003
745 Qualifying Total Debt Income Ratio XXX XXX Verified to qualifying income and total liabilities (Final 1003 reflects liability amounts that differ from credit report)
750 Qualifying Total Debt Income Ratio XXX XXX Updated per liabilities - DTI slightly different due to the duplication of the HOI on subject property along with the difference in subject property taxes increasing $XXX. All total debts difference between credit review and lender final XXX is $XXX. DTI still qualifying under max DTI.
729 Application Date XX/XX/XXXX XX/XX/XXXX Updated Per Initial 1003
729 Qualifying CLTV XXX XXX Updated per appraisal and UPBs
729 Qualifying Total Debt Income Ratio XXX XXX Updated per liabilities - the DTI is less than lender by XXX% and total debt difference is $XXX. Still qualifying under max guidelines. Other discrepancy noted is the HOI appears to be duplicated in the PITIA of subject therefore it was not duplicated in final DTI of credit review because the amounts are the same. First lien has escrowed taxes and insurance and not other insurance is found in the file. Condition set for supporting verification documents to match liabilities on the lender Final 1003 be provided. Accounts not matching are  #XXX, #XXX and #XXX.
748 Application Date XX/XX/XXXX XX/XX/XXXX XXX updated as Per Initial 1003.
748 Qualifying Total Debt Income Ratio XXX XXX Updated per liabilities - Total debt difference of XXX and DTI decrease of XXX% is due to the REO expense calculations. Credit review used both the rent agreement amounts for the property at XXX as it has XXX  which may be part of the difference.