Exhibit 99.05 Schedule 6
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| Additional Data | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Run Date - 07/27/2026 6:27:46 PM | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Evolve Loan ID | Customer Loan ID | Seller Loan ID | TILA Status | Application Date | TRID | GSE Eligible | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Qualifying P&I | PITIA | 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 Borrower 4 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 | Co Borrower 4 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Residual Income | Num Units | Flood Cert Number | FEMA Flood Zone | Annual Property Tax | Annual 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 | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Forth Wage Earner Updated FICO Equifax | Forth Wage Earner Updated FICO Experian | Forth 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 4 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 4 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Co Borrower 4 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 | 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 | Loan Program Date | QM Regulation Failures | 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 Wavier (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | 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 | DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Is Equity Shared Loan | Title Interest Type | Title Held | Loan Doc Type | PITIA on Other Financed Properties | Credit Score Model Name | Maturity Date | Qualification Method Other Description | Index Type Other Description | Most Recent 24 Month Pay History | Line Utilization | Payment History As Of Date | Is Line Still Open | Property Value Trends | Were C/O proceeds included in reserves | Borrower Doc Type | Co Borrower 2 Doc Type | Co Borrower 3 Doc Type | Co Borrower 4 Doc Type | Reserves in Months | Months WVOE | ITIN Indicator | Condo Warrantable | Default Rate Clause | Default Rate | Borrower 3 FICO | Borrower 4 FICO | Borrower 3 Residency Status | Borrower 4 Residency Status | Buydown | Buydown Type | Buydown Term |
| XXXXXXXXXXX | 6000114045 | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,632.82 | $5,645.60 | 6.88% | Yes | Yes | Not Required | Not Required | Yes | Yes | Spain | Spain | $0.00 | 1 | AE | $17,790.60 | $6,362.76 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.96 | No | Fee Simple | Individual(s) | Debt Service Coverage | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 12 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 6000114097 | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,879.58 | $3,303.76 | 8.50% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X500 | $2,062.20 | $1,632.96 | XXXXXXXXXXX | AZ | $1,395.00 | Annually | 20260105 | 716 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1 | No | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.67 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 109 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 6000121230 | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,878.17 | $3,348.18 | 8.25% | Yes | N/A | Not Required | Yes | No | Ethiopia | $0.00 | 1 | X | $5,102.16 | $777.96 | XXXXXXXXXXX | VA | $980.00 | XXXXXXXXXXX | Monthly | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1 | No | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.9 | No | Fee Simple | Individual(s) | Debt Service Coverage | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 29 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 6000121297 | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,539.84 | $2,734.31 | 6.75% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $11,941.68 | $792.00 | XXXXXXXXXXX | TX | $1,599.96 | Annually | 20260210 | 742 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1.6 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.88 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 103 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 6000121348 | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,135.14 | $1,851.73 | 7.25% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $3,484.32 | $914.76 | XXXXXXXXXXX | FL | $350.00 | Monthly | 20260224 | 753 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 3.3 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 4 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000126460 | XXXXXXXXXX | Exempt | XXXXXXXX | Yes | XXXXXXXX | 0.00% | $2,038.42 | $2,552.78 | 6.50% | Yes | Yes | Employed | Employed | No | No | $10,497.52 | 1 | X | $4,699.08 | $1,473.24 | 35.27% | 20260225 | 778 | No | No | [Borrower - Primary
Income - Wages] WVOE - 04/2026 27
months; [Borrower - Primary Income - Wages] WVOE - 04/2026 27 months; [Borrower - Primary Income - Wages] VVOE - 04/2026; [Co Borrower 1 - Primary Income - Wages] WVOE - 04/2026 27 months; [Co Borrower 1 - Primary Income - Wages] VVOE - 04/2026; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $6,965.00 | 0 | 1 | Approve/Eligible | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Declining | No | Full | Full | 22 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000125702 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,174.90 | $3,981.66 | 7.13% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $8,077.68 | $1,603.44 | 20260326 | 798 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -4707.32 | 1 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | 5 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000102573 | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,754.37 | $2,470.03 | 6.50% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $5,037.72 | $834.24 | XXXXXXXXXXX | AL | $226.33 | Monthly | 20250828 | 771 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.17 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 49 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000102558 | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,738.41 | $2,462.52 | 6.50% | Yes | N/A | Employed | No | No | $6,074.60 | 1 | X | $4,992.00 | $985.32 | XXXXXXXXXXX | AL | $2,712.00 | Annually | 37.344% | 20251103 | 800 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 10/2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2023; |
[Borrower] Transcripts -
2024; [Borrower] Transcripts - 2023; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1 | No | N/A | 6.5 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | 0 | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | 17 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000121634 | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,740.31 | $2,478.97 | 6.50% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $4,997.40 | $926.52 | XXXXXXXXXXX | AL | $2,940.00 | Annually | 20260223 | 735 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 30 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000096568 | XXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7,065.00 | $9,449.55 | XXXXXXXX | 7.298% | $2,661.21 | $4,375.18 | 7.00% | No | N/A | Self-Employed | No | No | $6,084.29 | 1 | AE | $9,321.24 | $2,990.40 | XXXXXXXXXXX | FL | $688.00 | Monthly | 48.658% | 48.658% | 20250815 | 760 | No | Yes | 12 | Business | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1.4 | No | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 36 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000130194 | XXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | Yes | $7,408.00 | $9,054.00 | XXXXXXXX | 0.00% | $3,143.40 | $4,029.63 | 6.88% | Yes | Yes | Self-Employed | Self-Employed | No | No | $14,070.33 | 1 | D | $8,039.76 | $2,595.00 | 46.626% | 46.626 | 20260327 | 800 | No | No | 50% | 50% | [Borrower - Primary
Income - S-Corp] P&L Statement - 1/1/2026-3/31/2026; [Borrower - Primary Income - S-Corp] P&L Statement - 1/1/2025-12/31/2025 ; [Borrower - Primary Income - S-Corp] K-1 - 2024; [Borrower - Primary Income - S-Corp] W-2 - 2024; [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024; [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 4/2026; [Co Borrower 1 - Primary Income - S-Corp] P&L Statement - 1/1/2026-3/31/2026; [Co Borrower 1 - Primary Income - S-Corp] P&L Statement - 1/1/2025-12/31/2025; [Co Borrower 1 - Primary Income - S-Corp] K-1 - 2024; [Co Borrower 1 - Primary Income - S-Corp] W-2 - 2024; [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2024; [Co Borrower 1 - Primary Income - S-Corp] Secretary of State (SOS) - 4/2026; [Borrower - Primary Income - S-Corp] VVOE - 4/2026; [Co Borrower 1 - Primary Income - S-Corp] VVOE - 4/2026; |
[Borrower] 1040 -
2024; [Borrower] Transcripts - 2024; [Borrower] Transcripts - 2023; [Borrower] 1084 or income worksheet - 4/2026; [Co Borrower 1] 1040 - 2024; [Co Borrower 1] Transcripts - 2023; [Co Borrower 1] Transcripts - 2023; [Co Borrower 1] 1084 or income worksheet - 4/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $7,408.00 | -0.5 | 1.2 | Approve/Eligible | No | N/A | 6.875 | 1 | 1 | 0 | 2 | 0 | 4 | 0 | 0 | 48 | No | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | Full | 53 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000097821 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $9,100.39 | $12,474.65 | XXXXXXXX | 0.00% | $3,590.15 | $4,427.11 | 6.50% | No | N/A | Self-Employed | No | No | $5,150.81 | 1 | X500 | $8,987.52 | $1,056.00 | 49.933% | 49.933% | 20250928 | 762 | No | Yes | 12 | Personal | 0% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Personal - 11/2024-10/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 2.4 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 51 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122660 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,841.87 | $5,740.28 | 6.63% | Yes | N/A | Not Required | No | No | $0.00 | 4 | X | $20,101.32 | $2,679.60 | 20260318 | 807 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.95 | No | Fee Simple | Trust | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 8 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000124904 | XXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | XXXXXXXX | 0.00% | $7,912.90 | $11,900.29 | 6.75% | No | N/A | Self-Employed | No | No | -$11,900.29 | 1 | AE | $41,652.00 | $6,196.68 | 20260310 | 795 | No | No | 100% | [Borrower - Primary
Income - Retirement] Investment Statements - 12/2025-2/2026 - 3 months; [Borrower - Primary Income - Retirement] Bank Statements - Personal - 12/2025-2/2026 - 3 months; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Utilization | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | Alternative Doc | 130 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000089783 | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $4,010.00 | $6,068.16 | XXXXXXXX | 8.086% | $2,204.21 | $2,977.68 | 7.88% | No | N/A | Self-Employed | No | No | $10,372.96 | 1 | X | $0.00 | $3,345.00 | XXXXXXXXXXX | NY | $494.72 | Monthly | 24.41% | 24.41% | 20250902 | 736 | No | Yes | 12 | Business | 50% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025; [Borrower - Primary Income - Bank Statements] VVOE - 09/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $4,010.00 | 0 | No | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 9 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000092949 | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $13,610.00 | $17,956.08 | XXXXXXXX | 8.172% | $4,031.39 | $5,324.17 | 7.88% | No | N/A | Self-Employed | No | No | $9,012.67 | 1 | X | $12,346.44 | $3,166.92 | 45.993% | 45.993% | 20250806 | 703 | No | Yes | 12 | Business | 50% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 8/2025; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 8/2025; [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 20000 | 1 | No | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | Alternative Doc | 13 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000098309 | XXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $6,465.00 | $7,664.90 | XXXXXXXX | 6.967% | $2,270.09 | $4,184.40 | 6.75% | No | N/A | Self-Employed | No | No | $146,803.35 | 1 | C | $20,059.32 | $2,912.40 | 4.038% | 4.038 | 20250807 | 705 | No | No | 100% | Third Party Prepared(unaudited) | [Borrower - Primary
Income - S-Corp] P&L Statement - 09/2025
12 months; [Borrower - Primary Income - S-Corp] VVOE - 10/2025; [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 10/2025; [Borrower - Primary Income - S-Corp] CPA Letter - 108/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $6,465.00 | 0 | 1 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | Alternative Doc | 44 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000110282 | XXXXXXXXX | Higher Priced QM (APOR) | XXXXXXXX | Yes | No | $15,557.75 | $21,726.83 | XXXXXXXX | 7.846% | $6,071.81 | $7,917.49 | 7.63% | No | N/A | Self-Employed | No | No | $10,019.43 | 2 | X | $19,212.12 | $2,936.04 | 44.349% | 44.349 | 20251203 | 795 | No | No | 100% | Third Party Prepared(unaudited) | [Borrower - Primary
Income - S-Corp] Self-Employment Questionnaire (SEQ) - 12/2025; [Borrower - Primary Income - S-Corp] P&L Statement - 12/2025 12 months; [Borrower - Primary Income - S-Corp] CPA Letter - 12/2025; [Borrower - Primary Income - S-Corp] VVOE - 01/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $15,557.75 | 0 | No | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 5 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000094615 | XXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,762.06 | $2,125.65 | 7.25% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $3,108.00 | $1,255.08 | 20250917 | 775 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.6 | No | Fee Simple | Corporation | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | 115 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000103151 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,739.39 | $3,599.55 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $9,121.92 | $1,200.00 | 20250929 | 758 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 4 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000097960 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,400.18 | $1,779.95 | 7.50% | Yes | N/A | Self-Employed | No | No | $0.00 | 1 | X | $3,603.24 | $954.00 | 20250929 | 741 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1 | No | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.18 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 70 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000098981 | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $5,972.50 | $6,651.74 | XXXXXXXX | 7.964% | $1,429.74 | $1,840.20 | 7.63% | No | N/A | Self-Employed | No | No | $12,091.96 | 1 | X | $3,187.44 | $1,738.08 | 13.815% | 13.815% | 20250827 | 752 | No | No | 100% | Third Party Prepared(unaudited) | [Borrower - Primary
Income - S-Corp] P&L Statement - 09/2025 12 months; [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 10/2025; [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 10/2025; [Borrower - Primary Income - S-Corp] CPA Letter - 10/2025; [Borrower - Primary Income - S-Corp] VVOE - 10/2025; [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 10/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $5,972.50 | 1.03 | 2.6 | No | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 6 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123554 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,866.70 | $2,419.38 | 8.63% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $5,030.16 | $1,602.00 | 20251205 | 800 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -1200 | 1 | No | N/A | 8.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.3 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 61 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000103556 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,888.18 | $4,824.59 | 7.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $9,412.92 | $1,824.00 | 20251103 | 703 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 2500 | 2 | No | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.83 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 19 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000105915 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $4,551.55 | $6,104.95 | 7.38% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $15,349.80 | $3,291.00 | 20251222 | 773 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -73.58 | 1.7 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.94 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 16 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000120313 | XXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | Yes | $5,038.00 | $7,840.92 | XXXXXXXX | 0.00% | $4,073.58 | $5,132.25 | 6.25% | Yes | Yes | Employed | Employed | No | No | $12,186.68 | 1 | AE | $10,007.76 | $2,696.28 | 38.454% | 38.454 | 20260217 | 761 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 01/2026-02/2026; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] Work Number - 03/2026 26 months; [Borrower - Primary Income - Wages] VVOE - 03/2026; |
[Borrower] Transcripts - 2024; | Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $5,038.00 | -500 | 1 | Approve/Eligible | No | N/A | 5132.25 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | Full | Full | 11 | 26 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000112506 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,287.93 | $4,452.60 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $12,174.00 | $1,802.04 | 20251110 | 754 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 54 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000113412 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,577.74 | $4,750.03 | 6.63% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $9,135.60 | $4,931.88 | 20251114 | 796 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 2.8 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.84 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 75 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000109063 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,150.08 | $3,258.93 | 7.50% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $11,940.12 | $1,366.08 | 20251121 | 751 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 4.2 | No | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.89 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 58 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000112764 | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $17,290.00 | $19,904.51 | XXXXXXXX | 7.715% | $4,088.80 | $5,353.62 | 7.38% | No | N/A | Self-Employed | No | No | $8,056.38 | 1 | X | $12,408.84 | $2,769.00 | 40.323% | 40.323% | 20251212 | 748 | No | No | 100% | Third Party Prepared(unaudited) | [Borrower - Primary
Income - S-Corp] P&L Statement - 12/2025
12 months; [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 02/2026; [Borrower - Primary Income - S-Corp] CPA Letter - 01/2026; [Borrower - Primary Income - S-Corp] VVOE - 02/2026; [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 02/2026; |
Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1.1 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 6 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000111480 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $4,170.23 | $5,471.19 | 6.75% | Yes | Yes | Employed | Employed | No | No | $15,326.11 | 2 | X | $11,384.52 | $4,227.00 | 32.932% | 20251219 | 799 | No | No | Borrower Prepared | [Borrower - Primary
Income - Wages] Paystubs - 12/2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] Work Number - 12/2025 36 months; [Borrower - Primary Income - Wages] VVOE - 01/2026; [Borrower - Primary Income - Partnership] Tax Returns – Business - 2023; [Borrower - Primary Income - Partnership] K-1 - 2023; [Borrower - Primary Income - Partnership] Tax Returns – Business - 2024; [Borrower - Primary Income - Partnership] K-1 - 2024; [Borrower - Primary Income - Partnership] Secretary of State (SOS) - 12/2025; [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2025; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; [Co Borrower 1 - Primary Income - Wages] Third Party Verification - 12/2025 24 months; [Co Borrower 1 - Primary Income - Wages] VVOE - 01/2026; [Borrower - Primary Income - Partnership] P&L Statement - 12/2025 12 months; |
[Borrower] 1040 -
2024; [Borrower] 1040 - 2023; [Borrower] Transcripts - 2024; [Borrower] Transcripts - 2023; [Co Borrower 1] 1040 - 2024; [Co Borrower 1] 1040 - 2023; [Co Borrower 1] Transcripts - 2024; [Co Borrower 1] Transcripts - 2023; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.75 | 2 | 2 | 0 | 2 | 0 | 4 | 0 | 0 | 12 | No | No | Fee Simple | Limited Liability Corp | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | Full | Full | 35 | 36 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000114389 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,931.66 | $4,252.98 | 6.75% | Yes | N/A | Self-Employed | No | No | $216,164.60 | 1 | X | $13,951.80 | $1,904.04 | 3.813% | 20260108 | 779 | No | Yes | 12 | Business | 50% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 1/2025-12/2025 - 12
months; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 02/2026; [Borrower - Primary Income - Bank Statements] CPA Letter - 1/2026; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 2/2026; [Borrower - Primary Income - Bank Statements] Business License/Validation - 2/2026; [Borrower - Primary Income - Bank Statements] VVOE - 2/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1.5 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Limited Liability Corp | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 26 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000115379 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,865.46 | $5,256.06 | 7.13% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $12,915.12 | $3,772.08 | 20251224 | 723 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 74.07 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.91 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 18 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000118186 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $4,378.04 | $5,087.12 | 6.75% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $3,350.76 | $2,758.20 | XXXXXXXXXXX | GA | $200.00 | Monthly | 20251223 | 760 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -205 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.83 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 52 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123249 | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $4,911.50 | $6,843.94 | XXXXXXXX | 0.00% | $1,043.73 | $2,964.33 | 7.25% | No | No | Self-Employed | Self-Employed | No | No | $3,940.84 | 1 | X | $19,133.16 | $3,914.04 | 49.984% | 49.984% | 20260207 | 739 | No | No | 100% | 100% | Third Party Prepared(unaudited) | [Co Borrower 1 - Primary
Income - C-Corp] P&L Statement - 2/2025-1/2026; [Co Borrower 1 - Primary Income - C-Corp] CPA Letter - 2/2026; [Co Borrower 1 - Primary Income - C-Corp] Telephone Listing / Internet Search / Directory Assistance - 2/2026; [Co Borrower 1 - Primary Income - C-Corp] Self-Employment Questionnaire (SEQ) - 2/2026; [Co Borrower 1 - Primary Income - C-Corp] VVOE - 3/2026; |
Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $4,911.50 | 0 | 1 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | Alternative Doc | 21 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000117765 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,623.08 | $3,497.83 | 6.50% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $7,096.92 | $3,400.08 | 20260209 | 784 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.4 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 631 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000113107 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,665.66 | $4,998.96 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $14,269.56 | $1,730.04 | 20260120 | 762 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 59 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000117500 | XXXXXXXXX | Exempt | XXXXXXXX | Yes | Yes | XXXXXXXX | 0.00% | $4,634.25 | $5,394.38 | 6.63% | Yes | N/A | Employed | No | No | $35,847.47 | 1 | AE | $5,080.44 | $4,041.12 | 33.489% | 20260109 | 698 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 11/2025-12/2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] Work Number - 01/2026 36 months; [Borrower - Primary Income - Wages] VVOE - 03/2026; |
[Borrower] 1040 -
2024; [Borrower] Transcripts - 2024; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -755 | 2.1 | Approve/Eligible | No | N/A | 6.625 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | Full | 259 | 36 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000118382 | XXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | Yes | $2,190.00 | $6,378.53 | XXXXXXXX | 6.787% | $4,799.63 | $6,048.20 | 6.75% | Yes | Yes | Employed | Employed | No | No | $19,825.74 | 1 | AE | $7,974.84 | $7,008.00 | 41.716% | 41.716 | 20260120 | 706 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 11/2025-01/2026; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] Third Party Verification - 01/2026 24 months; [Borrower - Non-Primary Income - Retirement] Award Letter / Continuance Letter - 01/2026; [Co Borrower 1 - Primary Income - Wages] Paystubs - 01/2026; [Co Borrower 1 - Primary Income - Wages] W-2 - 2025; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; [Co Borrower 1 - Primary Income - Wages] WVOE - 01/2026 25 months; [Co Borrower 1 - Primary Income - Wages] VVOE - 03/2026; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $2,190.00 | 0 | 1 | Approve/Eligible | No | N/A | 6.75 | 1 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Declining | No | Full | Full | 33 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000117428 | XXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | Yes | $4,345.00 | $5,673.77 | XXXXXXXX | 0.00% | $1,328.84 | $1,779.85 | 6.38% | Yes | N/A | Employed | No | No | $8,585.95 | 1 | X | $3,508.08 | $1,904.04 | 49.952% | 49.952 | 20260120 | 781 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 12/2025-01/2026; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] WVOE - 02/2026 25 months; [Borrower - Primary Income - Wages] VVOE - 02/2026; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 11615.33 | 4.2 | Approve/Eligible | No | N/A | 6.375 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | 154 | 25 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000113389 | XXXXXXXXX | Exempt | XXXXXXXX | No | Yes | 0.00% | $1,991.95 | $4,715.07 | 7.25% | Yes | N/A | Self-Employed | No | No | $11,403.80 | 1 | X | $23,903.40 | $794.04 | XXXXXXXXXXX | FL | $665.00 | Monthly | 42.14% | 20260122 | 759 | No | No | 100% | [Borrower - Primary
Income - S-Corp] Tax Returns – Business - 2024; [Borrower - Primary Income - S-Corp] Paystubs - 12/2025; [Borrower - Primary Income - S-Corp] Paystubs - 1/2026; [Borrower - Primary Income - S-Corp] W-2 - 2025; [Borrower - Primary Income - S-Corp] W-2 - 2024; [Borrower - Primary Income - S-Corp] K-1 - 2024; [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2024; [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 2/2026; [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 2/2026; [Borrower - Primary Income - S-Corp] VVOE - 02/2026; |
[Borrower] 1084 or income
worksheet - 2024; [Borrower] 4506 or 4506T - 2024; [Borrower] Transcripts - 2024; [Borrower] 1040 - 2024; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1 | Approve/Eligible | No | N/A | 7.25 | 2 | 0 | 1 | 1 | 0 | 1 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | 29 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000115958 | XXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,380.21 | $1,903.32 | 6.63% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $5,099.28 | $1,178.04 | 20260121 | 705 | No | No | Not Stated, not Verified | 7 | XXXXX | XXXXX | 1 | 68 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 5 | No | N/A | 6.635 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | 453 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000118502 | XXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | Yes | $2,390.00 | $2,624.14 | XXXXXXXX | 0.00% | $2,458.05 | $3,070.19 | 6.38% | Yes | Yes | Self-Employed | Employed | No | No | $5,905.06 | 1 | X | $3,500.88 | $2,149.68 | 46.255% | 46.255 | 20260130 | 760 | No | No | 100% | [Borrower - Primary
Income - Sole Proprietor] Secretary of State (SOS) - 02/2026; [Borrower - Primary Income - Sole Proprietor] VVOE - 02/2026; [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2024; [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2023; [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 02/2026; |
[Borrower] 1040 -
2024; [Borrower] 1040 - 2023; [Borrower] Transcripts - 2024; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $2,390.00 | 0 | Approve/Eligible | No | N/A | 6.375 | 0 | 0 | 0 | 2 | 0 | 1 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | No | Full | 18 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000124558 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,193.81 | $2,845.16 | 7.25% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | VE | $11,244.96 | $8,371.20 | XXXXXXXXXXX | TX | $16.67 | Monthly | 20260212 | 727 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -500 | 2.8 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.56 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 53 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000116310 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,169.56 | $2,539.35 | 6.75% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $3,082.20 | $1,355.28 | 20260203 | 727 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1.5 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.91 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 40 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000118931 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $958.31 | $1,151.71 | 7.38% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $1,711.80 | $609.00 | 20260210 | 767 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1.1 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.39 | No | Fee Simple | Corporation | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | 120 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000128215 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $7,778.65 | $8,602.37 | 7.63% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $7,385.64 | $2,499.00 | 20260226 | 782 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | 16 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000121628 | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $9,290.00 | $10,403.29 | XXXXXXXX | 0.00% | $2,290.64 | $3,298.08 | 7.13% | No | N/A | Self-Employed | No | No | $16,377.00 | 1 | X | $5,539.32 | $2,541.96 | XXXXXXXXXXX | FL | $334.00 | Monthly | 22.699% | 22.699% | 20260213 | 729 | No | No | 100% | [Borrower - Primary
Income - Sole Proprietor] P&L Statement - 2/2025-1/2026; [Borrower - Primary Income - Sole Proprietor] CPA Letter - 3/2026; [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 3/2026; [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 3/2026; [Borrower - Primary Income - Sole Proprietor] VVOE - 3/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $9,290.00 | 0 | 1 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 15 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122692 | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,244.07 | $2,862.37 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $5,851.56 | $1,568.04 | 20260318 | 790 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -800 | 3.5 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.31 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 94 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000127226 | XXXXXXXXX | Exempt | XXXXXXXX | Yes | Yes | XXXXXXXX | 0.00% | $2,781.63 | $3,281.20 | 7.63% | Yes | N/A | Employed | No | No | $4,828.08 | 1 | X | $4,642.80 | $1,352.04 | 26.939% | 20260428 | 678 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 3/2026; [Borrower - Primary Income - Wages] WVOE - 4/2026 - 6 months; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] VVOE - 5/2026; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $13,510.00 | 0 | 1 | Accept | No | N/A | 7.625 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | Full | 7 | 6 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000092481 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $2,355.00 | $5,870.14 | XXXXXXXX | 7.58% | $7,691.36 | $9,937.38 | 7.50% | No | No | Unemployed | Self-Employed | No | No | $17,833.36 | 1 | VE | $19,071.60 | $7,880.64 | 47.81% | 47.81 | 20250820 | 694 | No | No | 100% | Third Party Prepared(unaudited) | [Co Borrower 1 - Primary
Income - Sole Proprietor] P&L Statement - 9/2024-8/2025; [Co Borrower 1 - Primary Income - Sole Proprietor] CPA Letter - 9/2025; [Co Borrower 1 - Primary Income - Sole Proprietor] VVOE - 9/2025; |
Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 319.7 | 4.3 | No | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 64 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000097428 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $14,201.51 | $20,293.15 | XXXXXXXX | 6.471% | $15,319.13 | $16,580.69 | 6.38% | No | N/A | Self-Employed | No | No | $48,195.73 | 1 | X | $9,185.28 | $5,953.44 | 27.658% | 27.658 | 20251008 | 707 | No | No | 100% | [Borrower - Primary
Income - S-Corp] CPA Letter - 11/2025; [Borrower - Primary Income - S-Corp] P&L Statement - 11/2025 12 months; [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 11/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $14,201.51 | 75 | 5 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 19 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000116359 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $12,545.00 | $13,238.81 | XXXXXXXX | 6.757% | $3,286.75 | $4,399.03 | 6.50% | No | N/A | Self-Employed | No | No | $5,575.97 | 1 | X | $7,596.36 | $1,743.00 | XXXXXXXXXXX | CA | $334.00 | Monthly | 44.934% | 44.934 | 20260106 | 777 | No | No | 100% | [Borrower - Primary
Income - Sole Proprietor] P&L Statement - 1/2025-12/31/2025 - 12
months; [Borrower - Primary Income - Sole Proprietor] CPA Letter - 2/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 2/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $12,545.00 | 0 | 1 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 6 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000124459 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $7,465.71 | $8,613.64 | 8.25% | Yes | N/A | Self-Employed | No | No | $90,578.66 | 1 | X | $12,388.20 | $1,386.96 | 47.013% | 20260303 | 724 | No | No | 100% | Third Party Prepared(unaudited) | [Borrower - Primary
Income - S-Corp] P&L Statement - 02/2026
12 months; [Borrower - Primary Income - S-Corp] CPA Letter - 04/2026; [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 04/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -45 | 1.3 | No | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | Alternative Doc | 30 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000127497 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,891.59 | $4,845.34 | 6.75% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $9,999.96 | $1,445.04 | 20260414 | 718 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 85 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000127633 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $15,030.00 | $20,194.05 | XXXXXXXX | 0.00% | $4,284.07 | $5,445.36 | 7.25% | No | N/A | Self-Employed | No | No | $11,120.64 | 1 | D | $9,812.52 | $3,270.96 | XXXXXXXXXXX | CA | $71.00 | Monthly | 40.429% | 40.429 | 20260420 | 799 | No | No | 100% | Third Party Prepared(unaudited) | [Borrower - Primary
Income - S-Corp] P&L Statement - 04/2026
12 months; [Borrower - Primary Income - S-Corp] CPA Letter - 05/2026; [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 05/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $15,030.00 | 0 | 1 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 78 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000100103 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,517.55 | $1,948.77 | 7.00% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $4,428.48 | $746.16 | 20251014 | 744 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1 | No | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 10 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000109874 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,767.26 | $2,448.98 | 6.63% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $6,067.80 | $1,570.08 | XXXXXXXXXXX | GA | $542.76 | Annually | 20251216 | 751 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 46 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000093254 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $4,300.17 | $5,421.42 | 7.50% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $9,374.04 | $4,080.96 | 20250916 | 800 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1 | No | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.77 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 5 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000105590 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,486.49 | $4,289.70 | 7.13% | Yes | Yes | Not Required | Not Required | No | No | -$4,289.70 | 1 | X500 | $8,365.32 | $1,273.20 | 20251212 | 770 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 4918 | 1 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 51 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000129545 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,043.08 | $2,313.25 | 6.75% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X500 | $819.00 | $2,423.04 | 20260403 | 788 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 2.5 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.99 | No | Fee Simple | Trust | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 131 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000121000 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,790.71 | $2,314.48 | 7.25% | Yes | N/A | Employed | No | No | $0.00 | 1 | X | $4,120.20 | $619.08 | XXXXXXXXXXX | OR | $1,545.96 | Annually | 20260201 | 738 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -25 | 1 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.82 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 49 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000090629 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,354.92 | $1,897.33 | 6.88% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 2 | X | $3,385.92 | $3,123.00 | 20250814 | 760 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 5500 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 5 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000103236 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $6,992.47 | $8,403.70 | XXXXXXXX | 6.807% | $2,979.03 | $3,675.46 | 6.63% | No | N/A | Self-Employed | No | No | $7,126.06 | 1 | X | $7,754.16 | $603.00 | 46.738% | 46.738% | 20251107 | 776 | No | Yes | 12 | Personal | 25% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Personal - 11/2024-10/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025; [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $6,992.47 | 14279.91 | 2.1 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 13 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000095800 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $9,195.00 | $9,604.98 | XXXXXXXX | 7.423% | $2,382.27 | $2,913.35 | 7.13% | No | N/A | Self-Employed | No | No | $204,923.40 | 1 | X500 | $5,076.96 | $1,296.00 | 3.461% | 3.461% | 20250916 | 713 | No | Yes | 12 | Business | 50% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 9/2025; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 9/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025; [Borrower - Primary Income - Bank Statements] VVOE - 9/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 7949 | 1.1 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 46 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000098171 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,113.03 | $2,626.87 | 6.63% | Yes | N/A | Self-Employed | No | No | $0.00 | 1 | X500 | $5,108.04 | $1,058.04 | 20251021 | 804 | No | No | 50% | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 8 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000110518 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $992.48 | $1,477.44 | 6.63% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X500 | $4,812.48 | $1,007.04 | 20251216 | 788 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 2.3 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.52 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 36 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000117584 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,609.48 | $1,995.74 | 6.88% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $2,641.92 | $1,993.20 | 20260212 | 741 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -310 | 1 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 39 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000106103 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,383.82 | $1,801.83 | 6.88% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $3,971.88 | $1,044.24 | 20250922 | 715 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -14 | 1 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.26 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | 33 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000109963 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $18,215.00 | $20,732.33 | XXXXXXXX | 6.357% | $3,447.42 | $4,825.45 | 6.00% | No | N/A | Self-Employed | No | No | $102,885.14 | 1 | X | $13,921.32 | $2,615.04 | 5.065% | 5.065% | 20251206 | 804 | No | Yes | 24 | Business | 50% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 01/2024-12/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026; [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $18,215.00 | 0 | 1.8 | No | N/A | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 195 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000108830 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,272.69 | $1,533.24 | 6.38% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $1,963.56 | $1,163.04 | 20251206 | 735 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 2.5 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.17 | No | Fee Simple | Trust | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 10 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000112567 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $8,005.50 | $10,709.05 | XXXXXXXX | 0.00% | $2,333.27 | $3,200.37 | 6.38% | No | N/A | Self-Employed | No | No | $8,343.39 | 1 | X | $8,815.20 | $1,590.00 | 37.473% | 37.473% | 20260115 | 729 | No | Yes | 12 | Business | 50% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 02/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 02/2026; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026; [Borrower - Primary Income - Bank Statements] VVOE - 02/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $8,005.50 | 0 | 1.3 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 71 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000128854 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,333.62 | $1,779.15 | 7.38% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $3,927.36 | $1,419.00 | 20260318 | 669 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 4 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000102124 | XXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $2,015.00 | $4,183.53 | XXXXXXXX | 0.00% | $6,636.71 | $8,487.98 | 6.50% | No | N/A | Employed | No | No | $21,150.52 | 1 | X | $17,499.96 | $4,715.28 | 33.984% | 33.984 | 20251020 | 817 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 08/2025-10/2025; [Borrower - Primary Income - Wages] Paystubs - 12/2024; [Borrower - Primary Income - Wages] Paystubs - 12/2023; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] Work Number - 10/2025 21 months; [Borrower - Primary Income - Wages] VVOE - 12/2025; [Borrower - Primary Income - Wages] Employer Letter - 10/2025; |
[Borrower] 1040 -
2024; [Borrower] 1040 - 2023; [Borrower] Transcripts - 2024; [Borrower] Transcripts - 2023; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1 | No | N/A | 6.5 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | No | Fee Simple | Trust | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | 476 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000113847 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7,865.00 | $11,360.74 | XXXXXXXX | 7.007% | $18,248.19 | $23,118.69 | 6.38% | No | N/A | Self-Employed | No | No | $38,770.48 | 1 | X500 | $54,745.32 | $3,700.68 | 37.38% | 37.38% | 20260120 | 819 | No | Yes | 12 | Business | 15% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026; [Borrower - Primary Income - Bank Statements] VVOE - 02/2026; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 02/2026; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 02/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $7,865.00 | 6057 | 4 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | Fully amortized | 30DayAverageSOFR | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 64 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000093375 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,950.00 | $7,729.90 | XXXXXXXX | 7.497% | $5,687.50 | $7,911.42 | 6.50% | No | No | Employed | Not Required | No | No | $19,516.38 | 1 | X | $17,935.08 | $6,747.96 | XXXXXXXXXXX | CA | $167.00 | Monthly | 36.575% | 36.575% | 20250909 | 784 | No | No | 100% | Borrower Prepared | [Borrower - Primary
Income - Wages] Paystubs - 08/2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] VVOE - 09/2025; [Borrower - Primary Income - Wages] Work Number - 09/2025 13 months; [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 09/2025; [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 09/2025; [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2024; [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2023; [Borrower - Primary Income - Sole Proprietor] P&L Statement - 09/2025 8 months; |
[Borrower] 1040 -
2024; [Borrower] 1040 - 2023; [Borrower] Transcripts - 2024; [Borrower] Transcripts - 2023; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 15350 | 2.5 | No | N/A | 8.374 | 2 | 0 | 0 | 2 | 0 | 2 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | Fully Amortized | 30DayAverageSOFR | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | 148 | 13 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000101910 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,875.00 | $3,275.05 | XXXXXXXX | 0.00% | $6,176.31 | $8,873.77 | 6.38% | No | N/A | Self-Employed | No | No | $20,984.56 | 1 | X | $22,842.48 | $9,527.04 | 29.907% | 29.907% | 20251028 | 796 | No | Yes | 12 | Business | 50% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -28 | 1 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 20 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000113675 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,875.00 | $2,482.78 | XXXXXXXX | 6.413% | $4,847.15 | $6,684.53 | 6.38% | No | No | Not Required | Not Required | No | No | -$10,749.25 | 1 | X | $16,941.00 | $3,151.56 | XXXXXXXXXXX | CA | $163.00 | Monthly | 20260127 | 790 | No | No | [Borrower - Primary Income - Retirement] Investment Statements - 09/2025-12/2025; | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $1,875.00 | 5000 | 1 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Trust | Asset Utilization | Experian Fair Isaac Model 2 | XXXXX | Fully Amortized | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | Alternative Doc | 624 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000092863 | XXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $1,950.00 | $3,041.15 | XXXXXXXX | 7.224% | $2,627.50 | $3,181.59 | 7.13% | No | N/A | Self-Employed | No | No | $5,762.84 | 1 | X500 | $5,155.08 | $1,494.00 | 46.394% | 46.394 | 20250909 | 763 | No | No | 100% | [Borrower - Primary
Income - Sole Proprietor] 1099 - 2024; [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 10/2025; [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 10/2025; [Borrower - Primary Income - Sole Proprietor] Paystubs - 12/2024; [Borrower - Primary Income - Sole Proprietor] VVOE - 10/2025; [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 10/2025; |
[Borrower] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $1,950.00 | 4466 | 1 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | ALTDOC | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | Alternative Doc | 24 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000100473 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $3,750.00 | $3,993.04 | XXXXXXXX | 6.67% | $9,220.48 | $11,478.74 | 6.63% | No | N/A | Self-Employed | No | No | $40,842.34 | 1 | X | $21,769.08 | $5,330.04 | 34.611% | 34.611% | 20251017 | 786 | No | Yes | 24 | Business | 15% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 10/2023-09/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $3,750.00 | 5041 | 1.9 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No | No | Fee Simple | Trust | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | Alternative Doc | 13 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000127329 | XXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $2,110.00 | $9,627.47 | XXXXXXXX | 0.00% | $6,737.79 | $8,291.01 | 6.38% | No | N/A | Self-Employed | No | No | $7,498.29 | 1 | X | $16,231.44 | $2,407.20 | 52.51% | 52.51 | 20260424 | 787 | No | No | 100% | Borrower Prepared | [Borrower - Primary
Income - S-Corp] Secretary of State (SOS) - 05/2026; [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024; [Borrower - Primary Income - S-Corp] P&L Statement - 05/2026 12 months; [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023; [Borrower - Primary Income - S-Corp] VVOE - 05/2026; [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2024; [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2023; |
[Borrower] 1040 -
2023; [Borrower] 1040 - 2024; [Borrower] Transcripts - 2023; [Borrower] Transcripts - 2024; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $2,110.00 | -50 | 2.2 | No | N/A | 6.375 | 0 | 0 | 2 | 2 | 0 | 2 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | 34 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000111835 | XXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $2,020.00 | $10,199.34 | XXXXXXXX | 6.396% | $4,925.74 | $8,287.77 | 6.25% | No | No | Not Required | Not Required | No | No | -$12,282.13 | 1 | X | $27,291.24 | $10,653.12 | XXXXXXXXXXX | CA | $200.00 | Monthly | 20260119 | 784 | No | No | [Borrower - Primary
Income - Retirement] Investment Statements - 9/2025-12/2025; [Co Borrower 1 - Primary Income - Retirement] Investment Statements - 9/2025-12/2025; |
Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $2,020.00 | 6527 | 1.6 | No | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Trust | Asset Utilization | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | Alternative Doc | 134 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000104595 | XXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $1,965.00 | $9,498.89 | XXXXXXXX | 6.464% | $7,860.76 | $10,431.04 | 6.38% | No | No | Employed | Employed | No | No | $16,684.46 | 1 | X | $21,052.08 | $9,791.28 | 49.289% | 49.289 | 20251119 | 779 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 10/2025-11/2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] Third Party Verification - 11/2025 34 months; [Borrower - Primary Income - Wages] VVOE - 12/2025; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025; [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; |
[Borrower] 1040 -
2024; [Borrower] Transcripts - 2024; [Borrower] Transcripts - 2023; [Co Borrower 1] 1040 - 2024; [Co Borrower 1] Transcripts - 2024; [Co Borrower 1] Transcripts - 2023; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $1,965.00 | 25000 | 2.6 | No | N/A | 6.375 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | Full | 169 | 34 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000117491 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,950.00 | $11,502.99 | XXXXXXXX | 0.00% | $7,627.44 | $9,799.76 | 6.25% | No | N/A | Self-Employed | No | No | $14,962.00 | 1 | X | $21,270.84 | $4,797.00 | 42.395% | 42.395% | 20260217 | 778 | No | Yes | 12 | Business | 15% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 02/2025-01/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 03/2026; [Borrower - Primary Income - Bank Statements] VVOE - 02/2026; [Borrower - Primary Income - Bank Statements] CPA Letter - 02/2026; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 02/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -250 | 4 | No | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 18 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000105670 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,950.00 | $5,615.54 | XXXXXXXX | 6.929% | $9,886.78 | $11,887.03 | 6.88% | No | N/A | Self-Employed | No | No | $27,295.66 | 1 | X | $22,077.84 | $1,925.16 | 49.266% | 49.266% | 20251205 | 754 | No | Yes | 24 | Business | 30% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 12/2023-11/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026; [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026; [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $1,950.00 | -4971 | 1 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | Alternative Doc | 15 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000110349 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $6,740.82 | $7,684.95 | 7.38% | Yes | N/A | Self-Employed | No | No | $34,111.86 | 1 | X | $9,462.60 | $1,866.96 | 28.609% | 20251216 | 728 | No | Yes | 12 | Business | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 03/2026; [Borrower - Primary Income - Bank Statements] VVOE - 02/2026; [Borrower - Primary Income - Bank Statements] Business License/Validation - 03/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 5191 | 5 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 12 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000110350 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,950.00 | $2,413.52 | XXXXXXXX | 0.00% | $3,726.58 | $4,733.27 | 6.50% | No | N/A | Self-Employed | No | No | $34,149.38 | 1 | X | $9,988.32 | $2,091.96 | 28.53% | 28.53% | 20251216 | 728 | No | Yes | 12 | Business | 50% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025; [Borrower - Primary Income - Bank Statements] Business License/Validation - 02/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 03/2026; [Borrower - Primary Income - Bank Statements] VVOE - 02/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $1,950.00 | -5021 | 1 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 20 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000110348 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,950.00 | $2,058.94 | XXXXXXXX | 0.00% | $8,270.11 | $10,243.04 | 6.38% | No | No | Self-Employed | Self-Employed | No | No | $16,847.00 | 1 | X | $20,603.16 | $3,072.00 | 41.255% | 41.255% | 20260112 | 807 | No | Yes | 24 | Business | 50% | 50% | 50% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 12/2023-11/2025; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026; [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026; [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 12/2023-11/2025; [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026; [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026; [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 01/2026; [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 01/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $1,950.00 | -5058 | 3.5 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No | No | Fee Simple | Trust | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | Alternative Doc | Alternative Doc | 25 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000115370 | XXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $6,888.22 | $13,196.13 | XXXXXXXX | 0.00% | $10,661.18 | $12,901.52 | 6.63% | No | No | Employed | Employed | No | No | $39,212.33 | 1 | X | $22,990.08 | $3,894.00 | 39.909% | 39.909 | 20260130 | 730 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 3/2026; [Borrower - Primary Income - Wages] Employer Letter - 1/2026; [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 4/2026; [Borrower - Primary Income - Wages] Work Number - 4/2026 - 1 month; [Borrower - Primary Income - Wages] WVOE - 2/2026 - 103 months; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 Transcript - 2025; [Borrower - Primary Income - Wages] W-2 Transcript - 2024; [Borrower - Primary Income - Wages] VVOE - 4/2026; [Co Borrower 1 - Primary Income - Wages] Paystubs - 2/2026; [Co Borrower 1 - Primary Income - Wages] Work Number - 4/2026 - 27 months; [Co Borrower 1 - Primary Income - Wages] W-2 - 2025; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2025; [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024; [Co Borrower 1 - Primary Income - Wages] VVOE - 4/2026; [Co Borrower 1 - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 4/2026; [Co Borrower 1 - Non-Primary Income - Social Security] 1099 - 2025; [Co Borrower 1 - Non-Primary Income - Social Security] 1099 - 2024; [Co Borrower 1 - Primary Income - Retirement] Award Letter / Continuance Letter - 7/2024; [Co Borrower 1 - Primary Income - Retirement] 1099 - 2025; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $6,888.22 | -5476 | 1.3 | No | N/A | 6.625 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | Full | 21 | 1 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000121323 | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,875.00 | $3,306.46 | XXXXXXXX | 0.00% | $5,279.02 | $6,552.52 | 6.50% | No | N/A | Self-Employed | No | No | $26,055.48 | 1 | X | $13,125.00 | $2,157.00 | 20.412% | 20.412% | 20260202 | 761 | No | Yes | 24 | Business | 50% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 04/2024-03/2026; [Borrower - Primary Income - Bank Statements] CPA Letter - 04/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 04/2026; [Borrower - Primary Income - Bank Statements] VVOE - 04/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $1,875.00 | -4000 | 1.3 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 7 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000130196 | XXXXXXXXXX | Exempt | XXXXXXXX | Yes | No | XXXXXXXX | 0.00% | $3,299.40 | $4,582.95 | 6.50% | Yes | N/A | Self-Employed | No | No | $175,233.00 | 1 | X | $11,760.60 | $3,642.00 | 39.641% | 20260204 | 774 | No | No | 100% | Borrower Prepared | [Borrower - Primary
Income - S-Corp] Tax Returns – Business - 2024; [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2024; [Borrower - Primary Income - S-Corp] K-1 - 2024; [Borrower - Primary Income - S-Corp] P&L Statement - 1/2025-12/2025; [Borrower - Primary Income - S-Corp] W-2 - 2025; [Borrower - Primary Income - S-Corp] W-2 - 2024; |
[Borrower] Transcripts -
2024; [Borrower] 1040 - 2024; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $1,900.00 | -3921 | 1 | Accept | No | N/A | 6.5 | 2 | 0 | 1 | 1 | 0 | 1 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 124 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122142 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,603.47 | $3,953.97 | 6.75% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $5,808.00 | $1,998.00 | XXXXXXXXXXX | CA | $700.00 | Monthly | 20260306 | 775 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -4916 | 1 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.1 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 4 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000121134 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,280.62 | $2,152.84 | 6.63% | Yes | N/A | Self-Employed | No | No | $0.00 | 1 | X | $7,166.64 | $1,962.00 | XXXXXXXXXXX | AZ | $1,338.00 | Annually | 20260311 | 770 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -121.5 | 2.4 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 86 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000126922 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,167.87 | $2,854.32 | 6.88% | Yes | N/A | Self-Employed | No | No | $0.00 | 1 | X500 | $5,364.36 | $1,793.04 | XXXXXXXXXXX | CA | $90.00 | Monthly | 20260422 | 731 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -200 | 1 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.84 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 114 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000126694 | XXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $2,105.00 | $3,326.84 | XXXXXXXX | 0.00% | $2,393.33 | $3,166.65 | 6.75% | No | No | Employed | Not Required | No | No | $5,518.36 | 1 | X | $5,555.88 | $3,498.96 | XXXXXXXXXXX | WA | $225.00 | Annually | 37.441% | 37.441 | 20260318 | 772 | No | No | [Borrower - Primary
Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] Work Number - 03/2026 26 months; [Borrower - Primary Income - Wages] VVOE - 04/2026; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $2,105.00 | 0 | 1 | No | N/A | 6.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | 17 | 26 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000108861 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,534.90 | $1,766.69 | 7.25% | Yes | N/A | Employed | No | No | $3,626.77 | 1 | X | $863.52 | $417.96 | XXXXXXXXXXX | AZ | $125.00 | Monthly | 44.818% | 20251124 | 690 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 11/2025-12/2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] WVOE - 12/2025 33 months; [Borrower - Primary Income - Wages] VVOE - 01/2026; |
[Borrower] 1040 -
2024; [Borrower] 1040 - 2023; [Borrower] Transcripts - 2024; [Borrower] Transcripts - 2023; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 4.8 | No | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | 15 | 33 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000119814 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,231.43 | $2,319.10 | 6.25% | Yes | N/A | Not Required | No | No | $0.00 | 1 | AE | $3,261.00 | $9,791.04 | 20251201 | 779 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -0.7 | 4.5 | No | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.44 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | 77 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000112855 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $910.18 | $1,438.93 | 6.50% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $4,929.96 | $1,415.04 | 20260119 | 794 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.18 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 6 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123464 | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,046.16 | $1,520.59 | 6.88% | Yes | N/A | Self-Employed | No | No | $48,455.59 | 1 | X | $4,133.04 | $1,560.12 | 19.958% | 20260310 | 675 | No | Yes | 12 | Business | 50% | 50% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 03/2025-02/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 04/2026; [Borrower - Primary Income - Bank Statements] VVOE - 04/2026; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 04/2026; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 04/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 1.5 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 37 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000088087 | XXXXXXXXXXX | Exempt | XXXXXXXX | No | XXXXXXXX | 0.00% | $13,306.05 | $15,254.13 | 7.00% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $13,728.96 | $9,648.00 | 20250818 | 784 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $9,195.00 | 53.75 | No | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 3.28 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | 129 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000107071 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,595.00 | $3,611.94 | XXXXXXXX | 6.766% | $11,741.91 | $15,789.42 | 6.75% | Yes | Yes | Retired | Retired | No | No | $30,212.82 | 1 | X | $8,128.08 | $1,946.04 | XXXXXXXXXXX | HI | $3,208.00 | Monthly | 42.268% | 42.268% | 20251219 | 802 | Yes | No | [Co Borrower 1 - Primary Income - Retirement] Investment Statements - 09/2025-10/2025; | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 7826 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Trust | Asset Depletion | FICO Risk Score Classic 04 | XXXXX | Fully amortized | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 637 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000112765 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,595.00 | $4,328.34 | XXXXXXXX | 8.455% | $12,833.33 | $13,894.57 | 7.00% | No | No | Retired | Retired | No | No | $35,139.03 | 1 | X | $5,352.84 | $4,298.04 | XXXXXXXXXXX | AZ | $3,084.00 | Annually | 28.822% | 28.822% | 20260111 | 803 | Yes | No | [Borrower - Primary
Income - Retirement] Investment Statements - 9/2025-1/2026 - 5 months; [Borrower - Primary Income - Retirement] Bank Statements - Personal - 11/2025-12/2025 - 2 months; [Co Borrower 1 - Primary Income - Retirement] Investment Statements - 9/20256-1/2026 - 5 months; [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 11/2025-12/2025 - 2 months; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 304000 | No | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 | No | Fee Simple | Trust | Asset Depletion | Equifax Beacon 5.0 | XXXXX | 30DayAverageSOFR | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 468 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123036 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,330.47 | $2,253.05 | 7.00% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $5,254.80 | $860.16 | XXXXXXXXXXX | CA | $413.00 | Monthly | 20260224 | 738 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 6807 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 22 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123038 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,330.47 | $1,997.97 | 7.00% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $2,196.00 | $858.00 | XXXXXXXXXXX | CA | $413.00 | Monthly | 20260224 | 738 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 6551 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 23 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123032 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,330.47 | $1,987.65 | 7.00% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $2,223.96 | $706.20 | XXXXXXXXXXX | CA | $413.00 | XXXXXXXXXXX | Monthly | 20260224 | 738 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 4552 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 23 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000091678 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,015.54 | $3,951.54 | 7.38% | Yes | N/A | Employed | No | No | $0.00 | 1 | X | $9,360.00 | $1,872.00 | 20250805 | 755 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.89 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 23 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000095608 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $17,535.00 | $19,166.35 | XXXXXXXX | 0.00% | $9,939.31 | $14,455.98 | 7.25% | No | No | Self-Employed | Not Required | No | No | $24,600.65 | 1 | X | $27,862.32 | $12,324.00 | XXXXXXXXXXX | CA | $1,167.81 | XXXXXXXXXXX | Monthly | 38.886% | 38.886% | 20250818 | 809 | No | Yes | 12 | Business | 80% | 50.4% | [Borrower - Primary
Income - Bank Statements] Telephone Listing / Internet Search / Directory
Assistance - 09/2025; [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2020; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2020; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025; [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025 12 Months; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Trust | Bank Statement | 10542 | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 45 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000095898 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $23,476.00 | $22,568.00 | XXXXXXXX | 6.479% | $13,101.27 | $17,156.71 | 6.38% | No | N/A | Employed | No | No | $22,161.67 | 1 | X | $29,153.28 | $15,711.96 | XXXXXXXXXXX | IN | $3,800.04 | XXXXXXXXXXX | Annually | 45.896% | 45.896 | 20250925 | 766 | Yes | No | [Borrower - Primary
Income - Wages] VVOE - 10/2025; [Borrower - Primary Income - Wages] Paystubs - 08/2025 - 9/2025; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Non-Primary Income - Retirement] Investment Statements - 09/2025; |
[Borrower] Transcripts -
2024; [Borrower] Transcripts - 2023; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $23,476.00 | 0 | No | N/A | 6.375 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Depletion | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 203 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000095115 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,933.24 | $3,397.92 | 7.13% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $3,856.08 | $1,420.08 | XXXXXXXXXXX | WA | $25.00 | XXXXXXXXXXX | Monthly | 20250901 | 767 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 15300 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 34 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000095623 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,621.50 | $2,220.67 | 6.75% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $5,085.00 | $1,405.08 | XXXXXXXXXXX | GA | $699.96 | XXXXXXXXXXX | Annually | 20250827 | 796 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 7375 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.1 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 35 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000095654 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,193.27 | $2,820.33 | 7.00% | Yes | N/A | Employed | No | No | $4,371.78 | 1 | VE | $4,584.12 | $1,680.60 | XXXXXXXXXXX | FL | $1,105.00 | XXXXXXXXXXX | Monthly | 15.139% | 20250904 | 794 | No | No | [Borrower - Primary
Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 Transcript - 2023; [Borrower - Primary Income - Wages] W-2 Transcript - 2024; [Borrower - Primary Income - Wages] Work Number - 09/2025 - 239 months; [Borrower - Primary Income - Wages] VVOE - 09/2025; [Borrower - Primary Income - Wages] Paystubs - 08/2025-1 mo; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.999 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Declining | 9 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000099957 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $38,577.47 | $40,022.82 | XXXXXXXX | 6.585% | $7,254.68 | $9,954.68 | 6.25% | No | N/A | Self-Employed | No | No | $19,935.59 | 1 | X | $25,033.80 | $5,466.12 | XXXXXXXXXXX | TX | $1,900.08 | Annually | 39.725% | 39.725% | 20250825 | 776 | No | Yes | 12 | Business | 80% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025 12
months; [Borrower - Primary Income - Bank Statements] Business License/Validation - 09/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; [Borrower - Primary Income - Bank Statements] VVOE - 10/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $38,577.47 | 58912 | No | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | 2954 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 33 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000095631 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,760.08 | $2,125.00 | 7.13% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $2,213.88 | $2,165.16 | 20250909 | 788 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 8 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000097518 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $985.39 | $1,553.54 | 6.88% | Yes | Yes | Employed | Self-Employed | No | No | $4,736.20 | 1 | X | $4,397.28 | $2,120.52 | XXXXXXXXXXX | KY | $300.00 | Annually | 37.511% | 20250825 | 755 | No | Yes | 12 | Business | 20% | 100% | [Co Borrower 1 - Primary
Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025 12
months; [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 09/2025; [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2024; [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025; |
Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 4000 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 12 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000100115 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $5,969.57 | $6,789.07 | XXXXXXXX | 7.453% | $1,026.54 | $2,145.33 | 7.00% | No | Yes | Retired | Retired | No | No | $7,069.60 | 1 | X | $2,660.88 | $2,124.60 | XXXXXXXXXXX | SC | $720.00 | XXXXXXXXXXX | Monthly | 27.787% | 27.787% | 20250908 | 817 | No | No | [Borrower - Primary
Income - Retirement] Bank Statements - Personal - 06/2025-08/2025- 3 months; [Borrower - Primary Income - Retirement] SS Award Letter - 10/2024; [Co Borrower 1 - Primary Income - Retirement] 1099 - 2023; [Co Borrower 1 - Primary Income - Retirement] 1099 - 2024; [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 08/2025-9/2025 2 months; |
[Co Borrower 1]
Transcripts - 2023; [Co Borrower 1] Transcripts - 2024; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $5,969.57 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | 66 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000102447 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $18,365.00 | $22,842.71 | XXXXXXXX | 0.00% | $5,059.07 | $5,426.72 | 6.75% | No | No | Employed | Employed | No | No | $9,818.56 | 1 | X | $3,032.76 | $1,379.04 | 38.99% | 38.99 | 20250828 | 761 | No | No | [Co Borrower 1 - Primary
Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; [Co Borrower 1 - Primary Income - Wages] Employer Letter - 6/2025; [Co Borrower 1 - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 10/2025; [Co Borrower 1 - Primary Income - Wages] Paystubs - 9/2025 - 10/2025; [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023; [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024; |
[Co Borrower 1]
Transcripts - 2024; [Co Borrower 1] Transcripts - 2023; |
Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $18,365.00 | 0 | No | N/A | 6.75 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 32 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000095871 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $26,862.69 | $28,386.53 | XXXXXXXX | 7.585% | $9,660.82 | $12,212.99 | 7.38% | No | N/A | Self-Employed | No | No | $31,652.34 | 1 | X | $28,110.00 | $2,516.04 | 29.49% | 29.49% | 20250818 | 765 | No | Yes | 24 | Business | 10% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 8/2023-8/2025 24
months; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/18/2025; [Borrower - Primary Income - Bank Statements] VVOE - 10/17/2025; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 8/19/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $26,862.69 | 2288.25 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 16 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000093824 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | XXXXXXXX | 0.00% | $2,205.21 | $2,526.05 | 7.00% | Yes | Yes | Employed | Self-Employed | No | No | $0.00 | 1 | X | $2,332.08 | $723.00 | XXXXXXXXXXX | ID | $795.00 | Annually | 20250821 | 774 | No | No | 100% | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $8,554.86 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 15125 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 126 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000102673 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $20,845.00 | $23,367.07 | XXXXXXXX | 0.00% | $4,598.50 | $5,034.50 | 6.88% | No | N/A | Self-Employed | No | No | $12,463.58 | 1 | X | $1,538.04 | $3,693.96 | 47.467% | 47.467% | 20250924 | 768 | No | No | 50% | [Borrower - Primary
Income - Partnership] VVOE - 11/2025; [Borrower - Primary Income - Partnership] Bank Statements - Business - 07/2025 - 8/2025 - 1 months; [Borrower - Primary Income - Partnership] K-1 - 2024; [Borrower - Primary Income - S-Corp] 1120 - 2024; [Borrower - Primary Income - S-Corp] Bank Statements - Business - 08/2025 - 09/2025 - 2 month; [Borrower - Primary Income - S-Corp] VVOE - 11/2025; [Borrower - Primary Income - S-Corp] Business License/Validation - 10/2025; [Borrower - Primary Income - S-Corp] W-2 - 2024; [Borrower - Primary Income - S-Corp] Other - 2021; |
[Borrower] Transcripts -
2024; [Borrower] 1084 or income worksheet - 2024; [Borrower] 1040 - 2024; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $20,845.00 | 0 | No | N/A | 6.875 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | ALTDOC | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 102 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000094595 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $6,049.45 | $7,303.35 | 7.38% | Yes | N/A | Not Required | No | No | -$10,706.19 | 1 | X | $4,741.80 | $5,628.96 | XXXXXXXXXXX | GA | $4,676.04 | Annually | 20250730 | 718 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -5474.22 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.62 | No | Fee Simple | Individual(s) | Debt Service Coverage | 17782 | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 48 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000094925 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $6,914.00 | $8,137.34 | XXXXXXXX | 7.24% | $2,325.66 | $3,080.04 | 7.00% | No | N/A | Retired | No | No | $11,226.58 | 1 | X | $4,312.56 | $672.00 | XXXXXXXXXXX | MA | $339.00 | XXXXXXXXXXX | Monthly | 28.002% | 28.002 | 20250922 | 818 | No | No | [Borrower - Primary
Income - Bank Statements] 1099 - 2024; [Borrower - Primary Income - Bank Statements] SS Award Letter - 09/2025; [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 07/2025-08/2025 2 months; [Borrower - Primary Income - Bank Statements] Investment Statements - 08/2025-09/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $6,914.00 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Utilization | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 286 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000103303 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,561.25 | $5,207.35 | 6.88% | Yes | N/A | Employed | No | No | $0.00 | 1 | X | $14,319.12 | $4,204.08 | XXXXXXXXXXX | IL | $1,230.00 | Annually | 20250923 | 774 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.785 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 6078 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 58 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000098362 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,995.71 | $2,781.46 | 7.00% | Yes | N/A | Not Required | No | No | -$2,781.46 | 4 | X | $4,132.92 | $5,296.08 | 20250918 | 683 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.48 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 99 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000103082 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $8,170.72 | $9,616.42 | XXXXXXXX | 0.00% | $2,241.97 | $2,951.87 | 7.13% | No | N/A | Not Required | No | No | $4,876.87 | 1 | X | $6,480.00 | $2,038.80 | 43.271% | 43.271 | 20250922 | 806 | Yes | No | [Borrower - Primary
Income - Retirement] Bank Statements - Personal - 08/2025-10/2025 ; [Borrower - Primary Income - Retirement] Investment Statements - 07/2025-09/2025 ; [Borrower - Primary Income - Retirement] Other - 10/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -986.1 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Depletion | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 333 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000101644 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $34,220.00 | $47,280.11 | XXXXXXXX | 0.00% | $14,468.87 | $16,323.85 | 7.00% | No | No | Employed | Self-Employed | No | No | $19,804.24 | 1 | X | $19,689.72 | $2,570.04 | 47.52% | 47.52 | 20250929 | 797 | No | No | 100% | [Borrower - Primary
Income - Wages] Paystubs - 12/2023,12/2024,8/2025-10/2025; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] Tax Returns – Personal - 2023; [Borrower - Primary Income - Wages] Tax Returns – Personal - 2024; [Borrower - Non-Primary Income - Retirement] Investment Statements - 4/2023 -10/2025; [Borrower - Primary Income - Wages] W-2 Transcript - 2023; [Co Borrower 1 - Primary Income - S-Corp] Secretary of State (SOS) - 9/2022; [Co Borrower 1 - Primary Income - S-Corp] P&L Statement - 1/2025-9/2025; [Co Borrower 1 - Primary Income - S-Corp] CPA Letter - 10/2025 - 27 MONTHS; [Borrower - Primary Income - Wages] W-2 Transcript - 2024; [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2023; [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2024; |
[Borrower] Transcripts -
2023; [Borrower] Transcripts - 2024; [Co Borrower 1] 1040 - 2023; [Co Borrower 1] 1040 - 2024; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $34,220.00 | 0 | 3.1 | No | N/A | 6.999 | 2 | 0 | 2 | 2 | 0 | 2 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | Full | 20589 | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 44 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000095998 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $11,176.30 | $13,917.97 | XXXXXXXX | 6.948% | $4,647.23 | $6,031.81 | 6.75% | No | N/A | Not Required | No | No | $9,895.76 | 1 | AE | $11,245.92 | $5,369.04 | 38.103% | 38.103 | 20250930 | 811 | Yes | No | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 8/1/2025-9/30/2025-2 months; | Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $11,176.30 | 0 | 1 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Depletion | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 320 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000101974 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $12,414.95 | $15,076.65 | XXXXXXXX | 0.00% | $2,529.51 | $2,974.93 | 7.25% | No | N/A | Employed | No | No | $3,025.07 | 1 | D | $2,586.00 | $2,759.04 | 49.582% | 49.582% | 20251002 | 778 | No | No | [Borrower - Primary
Income - Wages] Other - 09/2025; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] Employer Letter - 11/2025; [Borrower - Primary Income - Wages] Paystubs - 12/2024; [Borrower - Primary Income - Wages] W-2 Transcript - 2024; [Borrower - Primary Income - Wages] W-2 Transcript - 2023; [Borrower - Primary Income - Wages] W-2 - 2022; [Borrower - Primary Income - Wages] VVOE - 11/2025; [Borrower - Primary Income - Wages] Employer Letter - 08/2025; [Borrower - Primary Income - Wages] Work Number - 11/2025 - 14 months; [Borrower - Primary Income - Wages] WVOE - 11/2025; [Borrower - Primary Income - Wages] Paystubs - 03/2025; [Borrower - Primary Income - Wages] Other - 11/2025; |
[Borrower] Transcripts -
2024; [Borrower] Transcripts - 2023; [Borrower] Transcripts - 2022; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $12,414.95 | 0 | No | N/A | 7.25 | 3 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 9 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000099649 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $30,715.00 | $34,319.02 | XXXXXXXX | 7.18% | $12,772.52 | $14,114.68 | 7.00% | No | N/A | Self-Employed | No | No | $24,458.99 | 1 | X | $11,622.96 | $1,962.96 | XXXXXXXXXXX | UT | $210.00 | Monthly | 40.883% | 40.883% | 20251003 | 785 | No | Yes | 24 | Business | 80% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 10/2023-8/2025-23
months; [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/20/2025; [Borrower - Primary Income - Bank Statements] Third Party Verification - 10/19/2017; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/22/2025; [Borrower - Primary Income - Wages] Work Number - 10/10/2025-33 months; [Borrower - Primary Income - Wages] Paystubs - 8/20/2025-9/16/2025-1 month; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] VVOE - 10/20/2025; [Borrower - Primary Income - Wages] VVOE - 10/20/2025; |
[Borrower] Transcripts -
2023; [Borrower] Transcripts - 2024; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $30,715.00 | -9600 | No | N/A | 6.99 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 33 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000100245 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $982.11 | $1,273.42 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $2,063.64 | $1,432.08 | 20250829 | 782 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.57 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 57 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000101195 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,679.27 | $3,761.96 | 6.88% | Yes | Yes | Not Required | Not Required | No | No | -$824.56 | 1 | AE | $10,864.32 | $3,927.96 | XXXXXXXXXXX | TX | $10,200.00 | Annually | 20251009 | 795 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 | No | Fee Simple | Individual(s) | Debt Service Coverage | 3728 | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 65 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000103814 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,501.53 | $2,267.44 | 6.63% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $7,773.84 | $1,417.08 | 20251015 | 771 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.28 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 4198 | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 71 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000101967 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $33,590.00 | $40,694.50 | XXXXXXXX | 0.00% | $9,432.06 | $10,753.11 | 7.13% | No | N/A | Self-Employed | No | No | $25,578.89 | 1 | X | $8,450.16 | $7,402.44 | 34.583% | 34.583% | 20251015 | 773 | No | Yes | 12 | Business | 90% | 50% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 09/22/2025 & 10/24/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/24/2025; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 09/30/2025; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/21/2025; [Borrower - Primary Income - Bank Statements] VVOE - 11/03/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $33,590.00 | 0 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 10 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000101011 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,279.23 | $3,575.19 | 7.38% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 3 | X | $8,117.52 | $7,434.00 | 20250930 | 770 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 11 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.76 | No | Fee Simple | Individual(s) | Debt Service Coverage | 5918 | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 55 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000103770 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $8,603.00 | $10,907.27 | XXXXXXXX | 0.00% | $2,330.98 | $3,776.77 | 7.00% | No | Yes | Retired | Employed | No | No | $9,562.70 | 1 | X | $9,495.60 | $1,132.08 | XXXXXXXXXXX | TX | $560.15 | XXXXXXXXXXX | Monthly | 40.499% | 40.499 | 20251022 | 798 | No | No | [Borrower - Non-Primary
Income - Social Security] SS Award Letter - 11/2024; [Borrower - Non-Primary Income - Social Security] Tax Returns – Personal - 2023; [Borrower - Non-Primary Income - Social Security] Tax Returns – Personal - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] WVOE - 09/2025-78 mo; [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2025-10/2025; |
[Borrower] 1040 -
2023; [Borrower] 1040 - 2024; [Borrower] Transcripts - 2023; [Borrower] Transcripts - 2024; [Co Borrower 1] 1040 - 2023; [Co Borrower 1] 1040 - 2024; [Co Borrower 1] Transcripts - 2023; [Co Borrower 1] Transcripts - 2024; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $8,603.00 | 0 | No | N/A | 6.999 | 0 | 2 | 2 | 0 | 0 | 4 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 12 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000107950 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $4,270.04 | $5,010.79 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $5,974.44 | $2,914.56 | 20251105 | 733 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.09 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | 62 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000099889 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,528.30 | $3,315.63 | 7.13% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $5,951.88 | $3,496.08 | 20251027 | 736 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.14 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 107 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000101977 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,838.11 | $5,061.94 | 6.88% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $8,035.92 | $3,050.04 | XXXXXXXXXXX | CA | $300.00 | XXXXXXXXXXX | Monthly | 20251020 | 798 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.75 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 393 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000102194 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7,085.00 | $8,877.00 | XXXXXXXX | 0.00% | $1,706.08 | $2,417.54 | 7.50% | No | N/A | Employed | No | No | $6,463.65 | 1 | X | $1,820.52 | $693.00 | XXXXXXXXXXX | CO | $502.00 | Monthly | 31.884% | 31.884% | 20251023 | 773 | No | No | [Borrower - Primary
Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] W-2 Transcript - 2024; [Borrower - Primary Income - Wages] W-2 Transcript - 2023; [Borrower - Primary Income - Wages] Employer Letter - 3/2025; [Borrower - Primary Income - Wages] Paystubs - 8/2025-10/2025; [Borrower - Primary Income - Wages] Work Number - 10/2025 - 27 months; [Borrower - Primary Income - Wages] Work Number - 10/2025 - 30 months; [Borrower - Primary Income - Wages] Employer Letter - 10/2025; [Borrower - Primary Income - Wages] VVOE - 11/2025; |
[Borrower] Transcripts -
2024; [Borrower] Transcripts - 2023; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $7,085.00 | -3.66 | No | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 84 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000103805 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,849.28 | $3,182.29 | 7.38% | Yes | Yes | Employed | Self-Employed | No | No | $0.00 | 1 | X | $4,462.56 | $1,345.56 | XXXXXXXXXXX | CA | $849.00 | Monthly | 20251030 | 762 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 2.6 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 33 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000106423 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,418.15 | $3,245.21 | 6.88% | Yes | N/A | Self-Employed | No | No | $0.00 | 1 | X | $7,224.00 | $2,700.72 | 20251210 | 767 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 86 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000107790 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $4,142.92 | $5,462.13 | 6.75% | Yes | Yes | Not Required | Not Required | No | No | -$7,326.00 | 4 | X | $13,096.56 | $2,733.96 | 20250930 | 805 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 40 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000103813 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,490.20 | $2,506.95 | 7.00% | Yes | N/A | Not Required | No | No | $0.00 | 1 | A99 | $9,343.32 | $1,861.68 | XXXXXXXXXXX | CA | $83.00 | Monthly | 20251205 | 776 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.19 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 61 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000112661 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7,590.00 | $9,225.03 | XXXXXXXX | 0.00% | $3,201.55 | $5,208.00 | 6.63% | No | N/A | Self-Employed | No | No | $22,881.21 | 1 | AE | $19,442.04 | $4,635.36 | 18.613% | 18.613% | 20251105 | 811 | No | Yes | 12 | Business | 75% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 01/2025 - 12/2025 - 12
months; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025; [Borrower - Primary Income - Bank Statements] Other - 11/2025; [Borrower - Primary Income - Bank Statements] Expense Letter - 11/2025; [Borrower - Primary Income - Bank Statements] Other - 11/2025; [Borrower - Primary Income - Bank Statements] Business License/Validation - 09/2023; [Borrower - Primary Income - Bank Statements] Business License/Validation - 09/2023; [Borrower - Primary Income - Bank Statements] VVOE - 1/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | Yes | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 142 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000117885 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $6,448.29 | $7,707.81 | 7.00% | Yes | N/A | Self-Employed | No | No | $0.00 | 1 | AE | $5,022.36 | $10,091.88 | 20260206 | 722 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.18 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 65 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000107580 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,761.22 | $2,428.10 | 7.38% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $6,525.60 | $1,476.96 | 20251010 | 816 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 34 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000101667 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $12,296.18 | $14,897.02 | XXXXXXXX | 0.00% | $3,404.46 | $4,073.09 | 6.38% | No | No | Not Required | Not Required | No | No | $7,047.92 | 1 | X | $6,143.88 | $1,879.68 | 44.822% | 44.822 | 20251103 | 800 | No | No | [Borrower - Non-Primary
Income - Retirement] Bank Statements - Personal - 09/2025-10/2025; [Borrower - Non-Primary Income - Retirement] Investment Statements - 07/2025-09/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $12,296.18 | 0 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Trust | Asset Utilization | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 204 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000105676 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7,295.00 | $8,574.00 | XXXXXXXX | 0.00% | $1,556.64 | $2,154.95 | 6.75% | No | No | Self-Employed | Not Required | No | No | $5,327.13 | 1 | X | $2,630.76 | $4,548.96 | 32.143% | 32.143% | 20251107 | 770 | No | Yes | 12 | Business | 50% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 10/2024 - 9/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 11/202 - 12 MONTHS; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2024; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $7,295.00 | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | 2155 | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 27 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000105466 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $9,770.00 | $11,964.90 | XXXXXXXX | 0.00% | $2,660.94 | $4,102.54 | 7.00% | No | Yes | Retired | Employed | No | No | $5,952.60 | 1 | X | $7,998.12 | $9,301.08 | 45.092% | 45.092 | 20251111 | 787 | No | No | [Borrower - Non-Primary
Income - Social Security] SS Award Letter - 08/2025; [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 09/2025-10/2025; [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025-11/2025; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; [Co Borrower 1 - Primary Income - Wages] Work Number - 11/2025 34 months; [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $9,770.00 | 0 | No | N/A | 6.999 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 35 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000105113 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $17,585.00 | $24,863.04 | XXXXXXXX | 0.00% | $8,509.69 | $9,553.57 | 7.00% | No | No | Self-Employed | Unemployed | No | No | $26,828.68 | 1 | X | $11,150.52 | $1,351.08 | XXXXXXXXXXX | TN | $24.96 | XXXXXXXXXXX | Annually | 39.113% | 39.113% | 20251112 | 787 | No | Yes | 24 | Personal | 15% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Personal - 11/2023 - 10/2025 - 24 Months; [Borrower - Primary Income - Bank Statements] K-1 - 2024; [Borrower - Primary Income - Bank Statements] K-1 - 2023; [Borrower - Primary Income - Bank Statements] Tax Returns – Personal - 2024; [Borrower - Primary Income - Bank Statements] Tax Returns – Personal - 2023; [Borrower - Primary Income - Bank Statements] Employer Letter - 8/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; [Borrower - Primary Income - Bank Statements] W-2 Transcript - 2024; [Borrower - Primary Income - Bank Statements] W-2 Transcript - 2023; [Borrower - Primary Income - Bank Statements] Paystubs - 10/2025; |
[Borrower] 1040 -
2023-2024; [Co Borrower 1] 1040 - 2023-2024; [Borrower] Transcripts - 2023-2024; [Co Borrower 1] Transcripts - 2023-2024; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $17,585.00 | 0 | No | N/A | 6.999 | 0 | 0 | 2 | 0 | 0 | 2 | 24 | 0 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 82 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000104879 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,300.90 | $3,440.54 | 6.75% | Yes | Yes | Employed | Employed | No | No | $0.00 | 1 | AE | $9,474.48 | $4,201.20 | 20251112 | 814 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 93 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000109833 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $13,592.44 | $16,530.94 | XXXXXXXX | 0.00% | $2,672.22 | $3,609.45 | 6.75% | Yes | N/A | Employed | No | No | $10,585.50 | 1 | X | $1,387.80 | $1,722.96 | XXXXXXXXXXX | DE | $678.00 | XXXXXXXXXXX | Monthly | 34.005% | 34.005% | 20251104 | 773 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 10/2025-12/2025 2 months; [Borrower - Primary Income - Wages] VVOE - 12/2025; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] Work Number - 12/2025 30 months; [Borrower - Non-Primary Income - Retirement] Award Letter / Continuance Letter - 09/2025; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $13,592.44 | 0 | No | N/A | 6.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Leasehold | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 22 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000108966 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,719.66 | $4,284.72 | 6.38% | Yes | Yes | Not Required | Not Required | No | No | -$5,419.00 | 2 | X | $14,604.72 | $4,176.00 | 20251106 | 786 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 16 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000108406 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $12,882.37 | $13,821.65 | XXXXXXXX | 0.00% | $3,117.88 | $4,412.40 | 7.13% | No | No | Employed | Retired | No | No | $9,333.72 | 1 | X | $9,157.20 | $3,377.04 | XXXXXXXXXXX | FL | $250.00 | Monthly | 41.832% | 41.832 | 20251117 | 749 | Yes | No | [Borrower - Primary
Income - Wages] Paystubs - 9/21/2025-10/18/2025-1. month; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] VVOE - 12/10/2025; [Borrower - Primary Income - Wages] Work Number - 11/21/2025-34.75; [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 11/24/2025; [Co Borrower 1 - Non-Primary Income - Alimony] Divorce Decree - 10/3/2022; [Co Borrower 1 - Non-Primary Income - Retirement] Bank Statements - Personal - 9/2025-11/2025-3 months; [Borrower - Non-Primary Income - Retirement] Bank Statements - Personal - 9/2025-11/2025-3 months; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $12,882.37 | -6720 | No | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Depletion | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 209 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000110699 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,967.81 | $6,396.76 | 6.38% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $21,717.00 | $7,430.40 | 20251118 | 753 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.25 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 25 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000110056 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $18,092.54 | $21,633.63 | XXXXXXXX | 0.00% | $4,101.18 | $5,248.93 | 7.00% | No | No | Not Required | Not Required | No | No | $11,990.27 | 1 | X | $6,639.96 | $7,133.04 | 36.422% | 36.422% | 20251119 | 783 | No | No | [Borrower - Primary Income - Retirement] Investment Statements - 9/2025 - 11/2025; | Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $18,092.54 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Utilization | 8903 | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 224 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000107581 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $25,997.83 | $30,629.79 | XXXXXXXX | 0.00% | $7,126.25 | $8,459.55 | 7.00% | No | No | Self-Employed | Unemployed | No | No | $19,559.83 | 1 | X | $13,390.56 | $1,109.04 | XXXXXXXXXXX | NV | $125.00 | XXXXXXXXXXX | Monthly | 44.701% | 44.701% | 20251120 | 759 | No | Yes | 12 | Business | 75% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 - 12
MOnths; [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025; [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025; [Borrower - Primary Income - Bank Statements] Other - 12/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $25,997.83 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 109 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000111582 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $14,776.81 | $16,935.46 | XXXXXXXX | 0.00% | $3,122.24 | $3,853.80 | 6.75% | No | N/A | Self-Employed | No | No | $4,986.96 | 1 | X | $6,351.96 | $2,426.76 | 45.437% | 45.437% | 20251108 | 715 | No | Yes | 12 | Business | 50% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 1/2025-11/2025 11
months; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 1/2026; [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 1 month; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $14,776.81 | -77.06 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 77 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000109117 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $13,407.50 | $16,426.32 | XXXXXXXX | 6.812% | $3,318.36 | $4,074.26 | 6.50% | No | N/A | Self-Employed | No | No | $14,603.74 | 1 | X | $7,106.76 | $1,964.04 | 22.113% | 22.113 | 20251203 | 793 | No | No | 100% | [Borrower - Primary
Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] Work Number - 12/2025- 15 mo; [Borrower - Primary Income - Wages] Employer Letter - 09/2024; [Borrower - Primary Income - Sole Proprietor] Paystubs - 09/2025-10/2025; [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 12/2025; [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 12/2025; [Borrower - Primary Income - Sole Proprietor] VVOE - 12/2025; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 4500 | No | N/A | 6.5 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 548 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000112899 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $5,939.95 | $7,087.84 | 6.88% | Yes | N/A | Self-Employed | No | No | $0.00 | 1 | X | $6,161.76 | $7,612.92 | 20251203 | 780 | No | No | 100% | Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 47 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000111584 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,798.48 | $2,064.54 | 6.63% | Yes | N/A | Self-Employed | No | No | $44,093.78 | 1 | X | $2,055.96 | $656.76 | XXXXXXXXXXX | TN | $40.00 | Monthly | 18.424% | 20251203 | 765 | No | Yes | 24 | Business | 90% | 33% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 12/2023-11/2025 24
months; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 08/2025; [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No | 0 | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 354 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000114083 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $30,826.95 | $32,344.82 | XXXXXXXX | 7.077% | $6,432.96 | $8,366.40 | 6.75% | No | N/A | Self-Employed | No | No | $9,255.94 | 1 | X | $20,027.28 | $3,174.00 | 47.625% | 47.625% | 20260113 | 804 | No | Yes | 12 | Business | 55% | 75% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 12/2024 -11/2025 - 12
MONTHS ; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $30,826.95 | 34605 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 10 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000108776 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $15,419.86 | $16,398.11 | XXXXXXXX | 0.00% | $3,609.75 | $4,538.26 | 6.63% | No | No | Self-Employed | Employed | No | No | $15,675.13 | 1 | X | $5,858.16 | $5,283.96 | 36.175% | 36.175 | 20251205 | 735 | Yes | No | 100% | [Co Borrower 1 - Primary
Income - Wages] Work Number - 11/2025 - 6 months; [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024; [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Retirement] Bank Statements - Personal - 10/2025-11/2025; [Borrower - Primary Income - Retirement] Investment Statements - 10/2025 - 11/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $15,419.86 | 0 | No | N/A | 6.625 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Depletion | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 185 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000108774 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,011.80 | $3,356.36 | 6.50% | Yes | N/A | Not Required | No | No | -$2,875.00 | 1 | X | $1,959.00 | $2,175.72 | 20251010 | 781 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -609.6 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.39 | No | Fee Simple | Individual(s) | Debt Service Coverage | 7259 | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 57 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000107378 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $5,720.18 | $6,275.69 | 7.63% | Yes | Yes | Employed | Employed | No | No | $0.00 | 1 | NON | $3,497.88 | $3,168.24 | 20251120 | 793 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 4.2 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 19 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000109665 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $8,401.25 | $9,941.06 | XXXXXXXX | 0.00% | $1,135.05 | $2,078.53 | 6.75% | Yes | Yes | Retired | Retired | No | No | $4,364.04 | 1 | VE | $3,285.36 | $1,244.40 | XXXXXXXXXXX | SC | $566.00 | Monthly | 36.93% | 36.93% | 20251210 | 782 | No | No | [Borrower - Non-Primary
Income - Social Security] SS Award Letter - 5/9/2025; [Borrower - Primary Income - Retirement] Pension Letter - 12/17/2025; [Co Borrower 1 - Primary Income - Retirement] Award Letter / Continuance Letter - 2/26/2025; [Co Borrower 1 - Primary Income - Retirement] Award Letter / Continuance Letter - 3/11/2025; [Co Borrower 1 - Primary Income - Retirement] Investment Statements - 10/1/2025-11/30/2025-2 months; [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 10/22/2025-11/17/2025-1 month; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $8,401.25 | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 426 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000110926 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,898.49 | $2,929.38 | 7.75% | Yes | N/A | Not Required | No | No | -$3,200.00 | 1 | AE | $5,937.48 | $6,393.24 | XXXXXXXXXXX | FL | $39.96 | Annually | 20251205 | 676 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -2650 | No | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.57 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Declining | 83 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000110695 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7,563.16 | $8,420.07 | XXXXXXXX | 0.00% | $1,099.70 | $1,636.85 | 6.88% | No | N/A | Self-Employed | No | No | $1,726.75 | 1 | X | $3,242.40 | $3,203.40 | 49.267% | 49.267% | 20251201 | 811 | No | No | 25% | 100% | [Borrower - Primary
Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 12/2025; [Borrower - Primary Income - Sole Proprietor] Other - 07/2025-10/2025 3 months; [Borrower - Primary Income - Sole Proprietor] Bank Statements - Personal - 10/2025-12/2025 3 months; [Borrower - Primary Income - Sole Proprietor] VVOE - 01/2026; [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 01/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $7,563.16 | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | ALTDOC | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 59 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000108407 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $26,483.60 | $27,786.02 | XXXXXXXX | 6.817% | $9,196.31 | $12,540.76 | 6.63% | No | No | Employed | Employed | No | No | $17,348.58 | 1 | AE | $29,216.88 | $7,700.52 | XXXXXXXXXXX | FL | $268.00 | XXXXXXXXXXX | Monthly | 46.146% | 46.146 | 20251204 | 782 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 11/2025; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] VVOE - 12/2025; [Borrower - Non-Primary Income - Retirement] Bank Statements - Personal - 9/2025-11/2025 - 2 months; [Borrower - Non-Primary Income - Retirement] Investment Statements - 10/2025-11/2025 - 2 months; [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025; [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] K-1 - 2024; [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $26,483.60 | 10890.75 | No | N/A | 6.625 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 45 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000110701 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $27,660.00 | $37,077.45 | XXXXXXXX | 7.324% | $7,956.21 | $9,238.36 | 7.00% | No | N/A | Self-Employed | No | No | $16,779.65 | 1 | X | $13,064.76 | $2,321.04 | 36.16% | 36.16% | 20251215 | 782 | No | Yes | 12 | Business | 15% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025-12
mo; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2024; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 25000 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 59 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000113817 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $30,699.74 | $33,286.90 | XXXXXXXX | 0.00% | $5,633.70 | $6,093.80 | 6.63% | No | No | Self-Employed | Employed | No | No | $9,274.20 | 1 | X | $4,135.20 | $1,386.00 | XXXXXXXXXXX | AZ | $0.00 | Annually | 44.084% | 44.084% | 20251204 | 772 | No | Yes | 24 | Business | 20% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 12/2023-11/2025 24
months; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025; [Borrower - Primary Income - Bank Statements] VVOE - 1/2026; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2020; [Co Borrower 1 - Primary Income - Wages] Employer Letter - 6/2025; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] Work Number - 1/2026 - 62 months; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $30,699.74 | 0 | No | N/A | 6.625 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 6 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000109458 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $12,177.82 | $15,258.03 | XXXXXXXX | 7.35% | $2,977.78 | $3,646.32 | 7.00% | Yes | Yes | Self-Employed | Self-Employed | No | No | $14,747.76 | 1 | X | $7,219.44 | $803.04 | 38.366% | 38.366% | 20251211 | 790 | No | Yes | 12 | Business | 65% | 100% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025; [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $12,177.82 | 9000 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Declining | 16 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000113506 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $12,200.54 | $14,880.57 | 7.00% | Yes | Yes | Self-Employed | Self-Employed | No | No | $26,148.64 | 1 | X | $30,264.36 | $1,896.00 | 16.119% | 20251212 | 766 | No | No | 50% | 50% | [Borrower - Primary
Income - Wages] Paystubs - 12/2025; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] 4506 or 4506T - 2023; [Borrower - Primary Income - Wages] 4506 or 4506T - 2024; [Borrower - Primary Income - Wages] Tax Returns – Personal - 2023; [Borrower - Primary Income - Wages] Tax Returns – Personal - 2024; [Borrower - Primary Income - Wages] Work Number - 1/2026; [Borrower - Primary Income - Wages] WVOE - 1/2026; [Borrower - Primary Income - Partnership] Tax Returns – Business - 2023; [Borrower - Primary Income - Partnership] Tax Returns – Business - 2024; [Borrower - Primary Income - Partnership] K-1 - 2023; [Borrower - Primary Income - Partnership] K-1 - 2024; [Borrower - Primary Income - Partnership] Secretary of State (SOS) - 12/2025; [Borrower - Primary Income - Partnership] Business License/Validation - 7/2010; [Borrower - Primary Income - Partnership] Business Return Transcripts - 2023; [Borrower - Primary Income - Partnership] Business Return Transcripts - 2024; |
[Borrower] 1040 -
2023; [Borrower] 1040 - 2024; [Borrower] 4506 or 4506T - 2023; [Borrower] 4506 or 4506T - 2024; [Borrower] 1084 or income worksheet - 2023-2024; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 1821.44 | No | N/A | 6.999 | 2 | 0 | 2 | 2 | 2 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Limited Liability Corp | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 57 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000113809 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $12,162.50 | $13,978.25 | XXXXXXXX | 0.00% | $2,951.12 | $3,368.60 | 6.75% | No | N/A | Self-Employed | No | No | $18,419.78 | 1 | X | $2,766.24 | $2,243.52 | 22.284% | 22.284% | 20251217 | 801 | No | Yes | 24 | Business | 85% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 01/2023-11/2025 24
months; [Borrower - Primary Income - Bank Statements] Business License/Validation - 05/2007; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 05/2007; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $12,162.50 | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 150 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000114331 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $15,901.00 | $18,008.51 | XXXXXXXX | 0.00% | $8,216.88 | $9,979.92 | 6.50% | No | N/A | Self-Employed | No | No | $70,241.71 | 1 | X | $15,952.44 | $5,204.04 | 12.611% | 12.611 | 20251124 | 802 | Yes | No | [Borrower - Primary Income - Bank Statements] Investment Statements - 10/2025 - 11/2025 - 2 Months; | Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -250 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Depletion | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 1024 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000110928 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,241.46 | $3,454.66 | 7.25% | Yes | Yes | Employed | Self-Employed | No | No | $0.00 | 1 | X | $9,740.04 | $3,848.28 | XXXXXXXXXXX | TX | $970.08 | Annually | 20251212 | 820 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.87 | No | Fee Simple | Individual(s) | Debt Service Coverage | 11295 | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 92 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000112895 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,234.64 | $4,046.97 | 6.75% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $3,407.04 | $5,140.92 | XXXXXXXXXXX | TN | $100.00 | XXXXXXXXXXX | Monthly | 20251229 | 790 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.73 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 6962 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 147 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000111271 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,661.22 | $2,959.37 | 7.25% | Yes | N/A | Self-Employed | No | No | $4,521.18 | 1 | AE | $3,294.00 | $3,715.80 | XXXXXXXXXXX | FL | $714.00 | Monthly | 26.187% | 20251215 | 749 | No | No | 100% | [Borrower - Primary
Income - Sole Proprietor] Tax Returns – Business - 2024; [Borrower - Primary Income - Sole Proprietor] WVOE - 01/2026 24 months; [Borrower - Primary Income - Sole Proprietor] VVOE - 01/2026; [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 01/2026; |
[Borrower] 1040 -
2024; [Borrower] Transcripts - 2024; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 1031.2 | No | N/A | 7.25 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | No | 0 | No | Fee Simple | Individual(s) | ALTDOC | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 7 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000111587 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $11,011.00 | $12,886.62 | XXXXXXXX | 7.63% | $2,468.80 | $3,462.95 | 7.25% | Yes | Yes | Employed | Retired | No | No | $16,237.70 | 1 | AE | $3,068.76 | $761.04 | XXXXXXXXXXX | AL | $675.00 | Monthly | 33.108% | 33.108% | 20251125 | 783 | No | No | [Borrower - Primary
Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] Paystubs - 10/2025 - 12/2025; [Borrower - Primary Income - Wages] Work Number - 11/2025 - 16 months; [Borrower - Primary Income - Wages] VVOE - 1/2026; [Borrower - Non-Primary Income - Social Security] 1099 - 2024; [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 11/2025 - 12/2025; [Borrower - Non-Primary Income - Retirement] 1099 - 2024; [Borrower - Non-Primary Income - Retirement] Bank Statements - Personal - 11/2025; [Co Borrower 1 - Non-Primary Income - Social Security] 1099 - 2024; [Co Borrower 1 - Non-Primary Income - Social Security] Bank Statements - Personal - 11/2025 - 12/2025; |
[Borrower] Transcripts -
2024; [Borrower] Transcripts - 2023; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $11,011.00 | 7691.57 | No | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 20 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000109565 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $48,979.64 | $56,591.02 | XXXXXXXX | 0.00% | $15,089.52 | $16,674.15 | 6.75% | No | No | Self-Employed | Self-Employed | No | No | $24,839.15 | 1 | X | $15,335.64 | $1,579.92 | XXXXXXXXXXX | UT | $2,100.00 | Annually | 41.323% | 41.323% | 20251112 | 791 | No | Yes | 12 | Business | 25% | 50% | 50% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 12
months; [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024-11/2025 12 months; [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025; [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 12 months; [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024-11/2025 12 months; [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 11/2025; [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025; [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $48,979.64 | -17 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 18 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000113505 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,430.64 | $3,443.73 | 6.88% | Yes | N/A | Not Required | No | No | -$2,229.84 | 1 | X | $9,750.00 | $2,407.08 | 20251112 | 802 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 596 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000115843 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,451.67 | $1,668.82 | 7.25% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $1,423.80 | $1,182.00 | 20260109 | 744 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.14 | No | Fee Simple | Corporation | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 14 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000112892 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,152.56 | $1,537.12 | 6.63% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $3,512.76 | $1,101.96 | 20260112 | 780 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 55 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000114333 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $9,400.28 | $11,196.82 | XXXXXXXX | 7.054% | $1,711.58 | $2,531.84 | 6.63% | No | N/A | Not Required | No | No | $6,551.89 | 1 | X | $2,723.76 | $1,419.36 | XXXXXXXXXXX | CO | $5,700.00 | Annually | 28.486% | 28.486 | 20251222 | 788 | No | No | [Borrower - Primary Income - Retirement] Other - 03/2025; | Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 7000 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 53 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000115841 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $8,735.00 | $10,895.90 | XXXXXXXX | 0.00% | $2,358.01 | $3,190.99 | 7.13% | No | Yes | Not Required | Employed | No | No | $21,156.72 | 1 | X | $4,880.76 | $915.00 | XXXXXXXXXXX | CA | $350.00 | XXXXXXXXXXX | Monthly | 13.768% | 13.768 | 20260113 | 820 | No | No | [Co Borrower 1 - Primary
Income - Wages] Paystubs - 01/2026; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; [Co Borrower 1 - Primary Income - Wages] WVOE - 12/2025; [Co Borrower 1 - Primary Income - Wages] VVOE - 02/2026; [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023; |
Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.125 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Trust | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 105 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000112894 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $15,423.87 | $19,677.31 | XXXXXXXX | 0.00% | $6,001.70 | $7,449.36 | 6.88% | No | N/A | Self-Employed | No | No | $14,546.29 | 1 | X | $14,274.96 | $3,096.96 | 38.459% | 38.459% | 20260108 | 755 | No | Yes | 12 | Personal | 10% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Personal - 1/2025-12/2025 12 months; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 1/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1/2026; [Borrower - Primary Income - Bank Statements] VVOE - 1/2026; [Borrower - Primary Income - Bank Statements] Business License/Validation - 2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $15,423.87 | -11420 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 3 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000121753 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $9,511.27 | $10,860.59 | XXXXXXXX | 0.00% | $2,313.82 | $2,651.91 | 7.00% | No | N/A | Self-Employed | No | No | $4,063.29 | 1 | X | $2,550.00 | $1,507.08 | 40.698% | 40.698% | 20260107 | 703 | No | Yes | 12 | Personal | 5% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Personal - 02/2025 - 01/2026 - 12 Months; [Borrower - Primary Income - Bank Statements] Investment Statements - 04/2023; [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/2023; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 02/2026; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 04/2026; [Borrower - Primary Income - Bank Statements] Expense Letter - 01/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026; [Borrower - Primary Income - Bank Statements] VVOE - 03/2026; [Borrower - Primary Income - Bank Statements] Third Party Verification - 02/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $9,511.27 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | Yes | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 6 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000115849 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $9,146.11 | $11,482.25 | XXXXXXXX | 0.00% | $1,985.00 | $2,449.59 | 7.13% | No | N/A | Employed | No | No | $2,998.91 | 1 | X | $1,289.04 | $686.04 | XXXXXXXXXXX | AZ | $300.00 | Monthly | 45.06% | 45.06% | 20251215 | 810 | No | No | [Borrower - Primary
Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] Paystubs - 11/2025-01/026; [Borrower - Primary Income - Wages] W-2 Transcript - 2024; [Borrower - Primary Income - Wages] W-2 Transcript - 2023; [Borrower - Primary Income - Wages] Work Number - 01/2026 25 months; [Borrower - Primary Income - Wages] VVOE - 02/2026; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $9,146.11 | -75.45 | No | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Declining | 6 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000115122 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $19,100.00 | $18,413.09 | XXXXXXXX | 0.00% | $11,384.58 | $14,446.56 | 6.88% | No | N/A | Self-Employed | No | No | $182,762.32 | 1 | X | $24,613.92 | $12,129.84 | 7.923% | 7.923 | 20260116 | 737 | No | No | 100% | [Borrower - Primary
Income - S-Corp] P&L Statement - 01/2026 - 12 months; [Borrower - Primary Income - S-Corp] VVOE - 01/2026; [Borrower - Primary Income - S-Corp] Business License/Validation - 09/2024; [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2024; [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2023; [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024; [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023; [Borrower - Primary Income - S-Corp] K-1 - 2024; [Borrower - Primary Income - S-Corp] K-1 - 2023; [Borrower - Primary Income - S-Corp] 1120 - 2024; [Borrower - Primary Income - S-Corp] 1120 - 2023; |
[Borrower] Transcripts -
2024; [Borrower] Transcripts - 2023; [Borrower] 1040 - 2024; [Borrower] 1040 - 2023; [Borrower] 1084 or income worksheet - 01/2026; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $19,100.00 | -17500 | No | N/A | 6.875 | 0 | 0 | 2 | 2 | 0 | 2 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 75 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000116118 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $6,417.68 | $8,166.13 | XXXXXXXX | 0.00% | $1,764.26 | $3,315.81 | 6.50% | Yes | Yes | Self-Employed | Not Required | No | No | $15,649.19 | 1 | X | $5,937.48 | $981.12 | XXXXXXXXXXX | CA | $975.00 | XXXXXXXXXXX | Monthly | 38.758% | 38.758 | 20260116 | 788 | No | No | 100% | [Borrower - Primary
Income - Sole Proprietor] Tax Returns – Business - 2024; [Borrower - Primary Income - Sole Proprietor] 1099 - 2025; [Borrower - Primary Income - Sole Proprietor] Business Return Transcripts - 2024; [Borrower - Primary Income - Sole Proprietor] CPA Letter - 01/2026; [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 2/2026; [Borrower - Primary Income - Sole Proprietor] VVOE - 2/2026; |
[Borrower] 1040 -
2024; [Borrower] Transcripts - 2024; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $6,417.68 | 0 | No | N/A | 6.5 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | No | No | Fee Simple | Trust | ALTDOC | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 111 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000112544 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $44,668.90 | $46,927.62 | XXXXXXXX | 0.00% | $9,478.48 | $11,173.10 | 6.13% | No | No | Unemployed | Employed | No | No | $19,533.24 | 1 | X | $14,034.36 | $1,901.04 | XXXXXXXXXXX | WA | $4,400.04 | Annually | 41.4% | 41.4 | 20260120 | 782 | No | No | [Co Borrower 1 - Primary
Income - Wages] Work Number - 01/2026 - 19 months; [Co Borrower 1 - Primary Income - Wages] VVOE - 01/2026; [Co Borrower 1 - Primary Income - Wages] Paystubs - 01/2026; [Co Borrower 1 - Primary Income - Wages] Employer Letter - 01/2026; [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; [Co Borrower 1 - Primary Income - Wages] W-2 - 2025; [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; |
Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $44,668.90 | 0 | No | N/A | 6.125 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 22 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000118082 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $13,451.80 | $15,562.41 | XXXXXXXX | 0.00% | $2,698.91 | $3,403.83 | 6.63% | No | N/A | Not Required | No | No | $14,172.10 | 1 | X | $7,025.04 | $1,434.00 | 19.481% | 19.481% | 20260108 | 805 | Yes | No | [Borrower - Primary Income - Retirement] Investment Statements - 10/2025 - 12/31/2025; | Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 2000 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Depletion | 3404 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 621 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000116062 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $8,513.56 | $12,232.53 | 7.25% | Yes | N/A | Not Required | No | No | $0.00 | 1 | AE | $15,878.04 | $2,305.56 | XXXXXXXXXXX | FL | $2,203.67 | XXXXXXXXXXX | Monthly | 20260114 | 803 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.5 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 170 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000113846 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,823.01 | $3,128.44 | 6.38% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $1,891.56 | $1,773.60 | 20260128 | 795 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.26 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 10753 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 8 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000119122 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $9,628.84 | $12,315.26 | XXXXXXXX | 0.00% | $2,319.63 | $3,569.93 | 6.75% | No | N/A | Employed | No | No | $5,696.53 | 1 | X | $9,302.64 | $1,200.96 | XXXXXXXXXXX | CA | $375.00 | XXXXXXXXXXX | Monthly | 41.415% | 41.415 | 20260130 | 775 | No | No | [Borrower - Primary
Income - Wages] W-2 - 2023; [Borrower - Primary Income - Wages] Paystubs - 12/2025-01/2026 ; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] Work Number - 02/2026; [Borrower - Primary Income - Wages] W-2 - 2025; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $9,628.84 | 0 | No | N/A | 6.75 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 59 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000118083 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,159.09 | $3,080.02 | 7.25% | Yes | N/A | Employed | No | No | $6,210.28 | 1 | X | $2,231.16 | $2,100.00 | XXXXXXXXXXX | CO | $560.00 | XXXXXXXXXXX | Monthly | 49.882% | 20260130 | 675 | No | No | [Borrower - Primary
Income - Wages] Employer Letter - 02/2026; [Borrower - Primary Income - Wages] Paystubs - 01/2026; [Borrower - Primary Income - Wages] VVOE - 02/2026; [Borrower - Primary Income - Wages] WVOE - 02/2026 - 37 months; [Borrower - Primary Income - Wages] Paystubs - 12/2025; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] Other - 02/2026; [Borrower - Primary Income - Wages] Other - 10/2025 - 01/2026 - 4 months; [Borrower - Primary Income - Wages] Employer Letter - 03/2025; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.25 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Limited Liability Corp | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 41 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000119527 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,274.42 | $1,713.71 | 7.13% | Yes | N/A | Self-Employed | No | No | $5,327.82 | 1 | X | $2,956.44 | $2,315.04 | 13.94% | 20260202 | 736 | No | Yes | 12 | Business | 50% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 1/2025-12/2025 - 12
months; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 2/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025; [Borrower - Primary Income - Bank Statements] VVOE - 2/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 11 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000119124 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,867.96 | $2,399.29 | 6.75% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $4,923.96 | $1,452.00 | 20260202 | 807 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -1728 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 70 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122522 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $22,970.00 | $23,819.57 | XXXXXXXX | 6.596% | $3,038.05 | $4,010.08 | 6.13% | No | N/A | Not Required | No | No | $9,973.39 | 1 | X | $10,333.92 | $1,330.44 | 33.901% | 33.901% | 20251229 | 794 | No | No | [Borrower - Primary
Income - Bank Statements] Bank Statements - Personal - 1/2026-3/2026 3 months; [Borrower - Primary Income - Bank Statements] Investment Statements - 11/2025-1/2026 3 months; [Borrower - Primary Income - Bank Statements] Investment Statements - 11/2025-12/2025 2 months; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 6197.24 | No | N/A | 6.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Utilization | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 227 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000120193 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $23,803.25 | $32,513.32 | XXXXXXXX | 0.00% | $8,650.00 | $11,068.90 | 7.25% | No | N/A | Employed | No | No | $12,474.09 | 1 | X | $22,039.80 | $5,699.04 | XXXXXXXXXXX | TX | $1,287.96 | Annually | 49.429% | 49.429 | 20260115 | 778 | No | No | [Borrower - Primary
Income - Wages] Tax Returns – Personal - 2024; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] W-2 Transcript - 2024; [Borrower - Primary Income - Wages] W-2 Transcript - 2023; [Borrower - Primary Income - Wages] Paystubs - 12/2025 - 1/2026; [Borrower - Primary Income - Wages] Employer Letter - 12/2025; [Borrower - Primary Income - Wages] VVOE - 3/2026; |
[Borrower] Transcripts -
2024; [Borrower] Transcripts - 2023; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $23,803.25 | 0 | No | N/A | 7.25 | 2 | 0 | 1 | 0 | 0 | 2 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | 20932 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 12 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000117347 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $10,345.00 | $12,669.17 | XXXXXXXX | 6.88% | $3,201.55 | $3,999.90 | 6.63% | No | N/A | Not Required | No | No | $16,906.60 | 1 | X | $7,131.12 | $2,449.08 | 43.645% | 43.645 | 20260112 | 774 | No | No | [Borrower - Primary
Income - Retirement] Investment Statements - 11/2025-12/2025; [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 02/2026; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $10,345.00 | 4900 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 9 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123614 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,010.58 | $1,760.66 | 7.13% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $2,811.96 | $585.00 | XXXXXXXXXXX | FL | $467.00 | XXXXXXXXXXX | Monthly | 20260205 | 809 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.42 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 8 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122788 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $6,264.69 | $7,117.03 | XXXXXXXX | 0.00% | $1,327.83 | $2,454.53 | 7.00% | No | N/A | Retired | No | No | $4,244.57 | 1 | AE | $3,828.00 | $1,544.40 | XXXXXXXXXXX | SC | $679.00 | XXXXXXXXXXX | Monthly | 37.249% | 37.249% | 20260212 | 812 | No | No | [Borrower - Primary
Income - Retirement] Award Letter / Continuance Letter - 02/2026; [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 02/2026; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 2050 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Trust | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 196 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000116280 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,842.98 | $3,364.88 | 6.63% | Yes | N/A | Employed | No | No | $0.00 | 1 | X | $4,015.80 | $2,247.00 | 20260130 | 743 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.08 | No | Fee Simple | Individual(s) | Debt Service Coverage | 5098 | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 24 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122052 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $20,641.87 | $24,104.31 | XXXXXXXX | 0.00% | $5,623.35 | $7,270.95 | 6.75% | No | N/A | Self-Employed | No | No | $49,076.63 | 1 | X | $10,931.16 | $2,216.04 | XXXXXXXXXXX | NV | $552.00 | Monthly | 34.146% | 34.146% | 20260204 | 785 | No | Yes | 12 | Personal | 70% | 100% | [Borrower - Primary
Income - Bank Statements] VVOE - 03/2026; [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 02/2025 - 01/2026 - 12 MONTHS ; [Borrower - Primary Income - Bank Statements] Tax Returns – Business - 2024; |
[Borrower] 1040 - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $20,641.87 | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 1 | 0 | 0 | 12 | 0 | 0 | No | No | Fee Simple | Trust | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 112 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122527 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,920.93 | $3,588.82 | 6.63% | Yes | Yes | Self-Employed | Employed | No | No | $0.00 | 1 | X | $15,119.64 | $587.04 | XXXXXXXXXXX | CA | $359.00 | Monthly | 20260211 | 807 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.25 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Declining | 1179 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000119121 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,321.17 | $3,819.83 | 6.75% | Yes | N/A | Self-Employed | No | No | $0.00 | 1 | X | $10,319.40 | $4,244.52 | XXXXXXXXXXX | FL | $3,420.00 | Annually | 20260213 | 799 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 | No | Fee Simple | Trust | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 90 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122780 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $8,011.25 | $11,709.44 | 7.25% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $17,358.24 | $3,512.04 | XXXXXXXXXXX | NY | $1,959.00 | XXXXXXXXXXX | Monthly | 20260305 | 707 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.81 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 21 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122053 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $10,136.65 | $11,199.20 | XXXXXXXX | 0.00% | $1,831.86 | $2,124.02 | 7.00% | No | N/A | Employed | No | No | $3,607.11 | 1 | X | $2,267.88 | $1,238.04 | 46.531% | 46.531% | 20260209 | 784 | No | No | [Borrower - Primary
Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] Employer Letter - 10/2025; [Borrower - Primary Income - Wages] Paystubs - 12/2025-01/2026 2 months; [Borrower - Primary Income - Wages] Work Number - 02/2026 4 months; [Borrower - Primary Income - Wages] VVOE - 03/2026 - 4 months; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $10,136.65 | 0 | No | N/A | 6.999 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 18 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000119119 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,061.95 | $3,986.60 | 6.38% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 2 | X | $9,806.52 | $1,289.28 | 20260213 | 801 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.18 | No | Fee Simple | Individual(s) | Debt Service Coverage | 4455 | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 98 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122312 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $6,597.00 | $9,036.93 | XXXXXXXX | 0.00% | $1,278.93 | $1,872.24 | 6.38% | No | N/A | Self-Employed | No | No | $2,077.78 | 1 | X | $5,243.64 | $976.08 | XXXXXXXXXXX | NV | $75.00 | Monthly | 47.729% | 47.729% | 20260205 | 802 | No | No | 100% | Borrower Prepared | [Borrower - Primary
Income - Sole Proprietor] Tax Returns – Business - 2024; [Borrower - Primary Income - Sole Proprietor] P&L Statement - 02/2026 12 months; [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 02/2026; [Borrower - Primary Income - Sole Proprietor] VVOE - 03/2026; |
[Borrower] 1040 -
2024; [Borrower] Transcripts - 2024; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $6,597.00 | 0 | No | N/A | 6.375 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | ALTDOC | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 100 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122328 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $10,822.14 | $12,209.90 | XXXXXXXX | 0.00% | $2,719.09 | $3,315.15 | 6.75% | No | No | Self-Employed | Employed | No | No | $11,802.84 | 1 | X | $5,459.64 | $1,693.08 | 29.358% | 29.358% | 20260218 | 740 | No | Yes | 12 | Business | 95% | 100% | [Borrower - Primary
Income - Bank Statements] Bank Statements - Business - 7/2025-1/2026-7
months; [Borrower - Primary Income - Bank Statements] Business License/Validation - 6/2025; [Borrower - Primary Income - Bank Statements] Business License/Validation - 7/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 2/2026; [Borrower - Primary Income - Bank Statements] VVOE - 3/2026; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] W-2 Transcript - 2025; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 - 2025; [Co Borrower 1 - Primary Income - Wages] Work Number - 2/2026-26 months; [Co Borrower 1 - Primary Income - Wages] VVOE - 3/2026; [Co Borrower 1 - Primary Income - Wages] Paystubs - 1/2026-2/2026; [Borrower - Primary Income - Wages] W-2 Transcript - No Results Returned - 2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 2.8 | No | N/A | 6.75 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 296 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000118057 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,297.25 | $4,343.48 | 7.88% | Yes | N/A | Employed | No | No | $13,989.79 | 1 | X | $10,250.76 | $2,304.00 | 11.152% | 20260102 | 798 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 02/2026-03/2026; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] WVOE - 01/2026 25 months; [Borrower - Primary Income - Wages] Work Number - 03/2026 26 months; [Borrower - Primary Income - Wages] VVOE - 03/2026; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -1137 | No | N/A | 7.875 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 18 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122420 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7,646.40 | $8,196.18 | XXXXXXXX | 6.782% | $954.36 | $1,839.28 | 6.25% | Yes | N/A | Employed | No | No | $3,171.77 | 1 | X | $3,015.00 | $1,028.04 | XXXXXXXXXXX | SC | $548.00 | Monthly | 36.704% | 36.704% | 20260225 | 816 | No | No | [Borrower - Primary
Income - Wages] W-2 Transcript -
2025; [Borrower - Primary Income - Wages] Paystubs - 12/2025 - 2/2026; [Borrower - Primary Income - Wages] VVOE - 3/2026; [Borrower - Primary Income - Wages] W-2 - 2025; |
[Borrower] Transcripts - 2025; | Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $7,646.40 | 0 | No | N/A | 6.25 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | 1839 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 5 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122508 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,945.00 | $3,167.51 | XXXXXXXX | 7.102% | $2,080.86 | $2,338.88 | 7.00% | No | No | Not Required | Self-Employed | No | No | $7,233.02 | 1 | X | $1,617.24 | $1,154.04 | XXXXXXXXXXX | ID | $324.96 | XXXXXXXXXXX | Annually | 43.363% | 43.363% | 20260302 | 760 | No | Yes | 12 | Business | 40% | 100% | [Co Borrower 1 - Primary
Income - Bank Statements] CPA Letter - 03/2026; [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 07/2018; [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 02/2026; [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 03/2026; [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 03/2026; [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 03/2025-02/2026- 12 mo; [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 07/2018; |
Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $1,945.00 | 9000 | No | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 8 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123318 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7,970.58 | $9,294.56 | XXXXXXXX | 0.00% | $1,821.06 | $2,830.67 | 7.13% | No | N/A | Employed | No | No | $6,865.33 | 1 | X | $4,799.52 | $1,231.80 | XXXXXXXXXXX | CA | $507.00 | XXXXXXXXXXX | Monthly | 29.194% | 29.194% | 20260225 | 724 | No | No | [Borrower - Primary
Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] Paystubs - 01/2026 1 month; [Borrower - Primary Income - Wages] Work Number - 02/2026; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $7,970.58 | 0 | No | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Trust | Full | 1739 | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 17 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122421 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,782.48 | $3,710.78 | 6.75% | Yes | Yes | Employed | Employed | No | No | $14,680.42 | 1 | X | $9,812.52 | $1,327.08 | 21.83% | 20260227 | 783 | No | No | [Borrower - Primary
Income - Wages] Paystubs - 01/2026-02/2026 1 month; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 Transcript - 2025; [Borrower - Primary Income - Wages] W-2 Transcript - 2024; [Borrower - Primary Income - Wages] VVOE - 03/2026; [Co Borrower 1 - Primary Income - Wages] Paystubs - 01/2026 1 month; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 - 2025; [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2025; [Co Borrower 1 - Primary Income - Wages] VVOE - 03/2026; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 6.75 | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 70 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123039 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,666.55 | $1,922.03 | 6.88% | Yes | N/A | Employed | No | No | $0.00 | 1 | C | $1,874.40 | $1,191.36 | 20260302 | 802 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 1112 | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 68 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000121756 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,216.58 | $3,213.30 | 6.25% | Yes | Yes | Not Required | Self-Employed | No | No | $0.00 | 2 | X | $8,870.64 | $3,090.00 | 20260302 | 770 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.28 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 145 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122784 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $6,893.58 | $7,810.79 | XXXXXXXX | 6.792% | $1,707.84 | $2,026.61 | 6.50% | No | N/A | Employed | No | No | $8,266.88 | 1 | X | $3,089.04 | $736.20 | 20.499% | 20.499 | 20260219 | 813 | No | No | [Borrower - Primary Income - Retirement] Investment Statements - 12/2025 - 3/2026; | Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $6,893.58 | 3750 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Utilization | 2027 | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 307 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122411 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,197.43 | $3,927.84 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $11,162.40 | $1,742.52 | XXXXXXXXXXX | CA | $655.00 | XXXXXXXXXXX | Monthly | 20260224 | 780 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.04 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 10 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123775 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $4,184.64 | $5,579.46 | 6.88% | Yes | N/A | Self-Employed | No | No | $0.00 | 1 | X | $15,381.00 | $1,356.84 | 20260203 | 804 | No | No | 100% | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.45 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 12 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122965 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,793.37 | $2,508.66 | 6.75% | Yes | Yes | Not Required | Employed | No | No | $0.00 | 1 | X | $6,560.52 | $2,022.96 | 20260223 | 811 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.82 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Declining | 17 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000120684 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $6,485.98 | $7,672.33 | 6.75% | Yes | N/A | Employed | No | No | $0.00 | 1 | AE | $8,625.00 | $5,611.20 | 20260106 | 785 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.77 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 125 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000120293 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $15,275.00 | $17,413.71 | XXXXXXXX | 0.00% | $4,147.63 | $5,814.46 | 7.25% | Yes | Yes | Employed | Employed | No | No | $22,111.39 | 1 | AE | $4,620.60 | $1,329.36 | XXXXXXXXXXX | AL | $1,171.00 | Monthly | 45.428% | 45.428 | 20260225 | 774 | No | No | [Borrower - Primary
Income - Wages] VVOE - 3/2026; [Borrower - Primary Income - Wages] Paystubs - 01/2026-02/2026; [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; [Co Borrower 1 - Primary Income - Wages] VVOE - 3/2026; [Co Borrower 1 - Primary Income - Wages] Work Number - 3/2026; [Co Borrower 1 - Primary Income - Wages] Paystubs - 1/2026-2/2026; [Co Borrower 1 - Primary Income - Wages] W-2 - 2025; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | -6080 | No | N/A | 7.25 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 31 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123227 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $11,772.28 | $13,969.59 | XXXXXXXX | 7.383% | $2,529.06 | $2,947.75 | 7.00% | No | No | Self-Employed | Not Required | No | No | $4,592.20 | 1 | X | $3,391.20 | $1,633.08 | 43.882% | 43.882% | 20260323 | 793 | No | No | 100% | [Borrower - Primary
Income - S-Corp] 1099 - 2025; [Borrower - Primary Income - S-Corp] WVOE - 03/24/2026 - 15 months; [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 03/12/2026; [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 03/25/2026; [Borrower - Primary Income - S-Corp] VVOE - 04/01/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $11,772.28 | 0 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | ALTDOC | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 137 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122511 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,416.76 | $4,813.75 | 7.13% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $11,011.92 | $5,751.96 | 20260110 | 778 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 | No | Fee Simple | Trust | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 102 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122778 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,493.97 | $2,225.24 | 7.25% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $5,870.16 | $2,785.08 | XXXXXXXXXXX | TX | $120.00 | Annually | 20260224 | 759 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 59 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122961 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $19,170.00 | $20,202.56 | XXXXXXXX | 6.825% | $6,403.11 | $7,597.95 | 6.63% | No | N/A | Employed | Retired | No | No | $10,223.49 | 1 | X | $10,759.08 | $3,579.00 | 44.433% | 44.433 | 20260306 | 806 | Yes | No | [Borrower - Primary
Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] Paystubs - 2/2026 - 3/2026; [Borrower - Primary Income - Wages] Work Number - 3/2026 - 26.5 month; [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Personal - 2/2026 - 1 month; [Co Borrower 1 - Non-Primary Income - Retirement] Award Letter / Continuance Letter - 2/2026; [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 01/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | 5 | No | N/A | 6.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Depletion | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 146 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123620 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $8,517.50 | $11,274.96 | XXXXXXXX | 7.248% | $3,070.06 | $4,071.45 | 7.00% | No | N/A | Self-Employed | No | No | $11,387.52 | 1 | X | $8,817.84 | $1,828.80 | XXXXXXXXXXX | TX | $1,370.04 | Annually | 26.942% | 26.942 | 20260226 | 799 | Yes | No | [Borrower - Non-Primary
Income - Retirement] Investment Statements - 12/2025-4/1/2026; [Borrower - Primary Income - Retirement] Other - 4/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $8,517.50 | 100 | No | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Asset Depletion | 4071 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 459 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000122775 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,305.82 | $2,609.42 | 6.88% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $1,712.04 | $1,931.16 | 20260310 | 728 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 8.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Experian Fair Isaac Model 2 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 25 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123236 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $8,025.00 | $12,117.46 | XXXXXXXX | 7.06% | $1,374.75 | $1,687.14 | 6.50% | No | N/A | Employed | No | No | $2,028.61 | 1 | X | $2,395.68 | $1,353.00 | 46.878% | 46.878% | 20260118 | 794 | No | No | [Borrower - Primary
Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] Paystubs - 03/2026; [Borrower - Primary Income - Wages] Employer Letter - 02/2026; [Borrower - Primary Income - Wages] Self-Employment Questionnaire (SEQ) - 03/2026; [Borrower - Primary Income - Wages] Employer Letter - 04/2026; [Borrower - Primary Income - Wages] VVOE - 04/2026; [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 04/2026; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $8,025.00 | 0 | No | N/A | 6.5 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 21 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123163 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,631.48 | $1,858.52 | 7.13% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $1,759.92 | $964.56 | 20260317 | 783 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.75 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 58 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000126107 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,327.34 | $2,735.73 | 6.50% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | VE | $5,338.44 | $1,262.28 | XXXXXXXXXXX | FL | $858.33 | Monthly | 20260331 | 797 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | 1.2 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.37 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 230 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000123284 | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $9,442.88 | $11,258.01 | XXXXXXXX | 7.449% | $1,818.42 | $2,503.63 | 7.00% | No | No | Employed | Employed | No | No | $6,175.84 | 1 | X | $3,226.92 | $363.60 | XXXXXXXXXXX | WA | $386.00 | XXXXXXXXXXX | Monthly | 29.64% | 29.64% | 20260326 | 779 | No | No | [Borrower - Primary
Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] Paystubs - 02/2026-03/2026; [Borrower - Primary Income - Wages] WVOE - 03/2026 - 324 months; [Borrower - Primary Income - Wages] VVOE - 04/2026; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] W-2 - 2025; [Co Borrower 1 - Primary Income - Wages] Paystubs - 02/2026-03/2026; [Co Borrower 1 - Primary Income - Wages] WVOE - 03/2026 - 54 months; [Co Borrower 1 - Primary Income - Wages] VVOE - 04/2026; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $0.00 | 0 | No | N/A | 6.999 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | 12 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000126109 | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,664.63 | $3,109.74 | 7.88% | Yes | N/A | Employed | No | No | $0.00 | 1 | X | $4,295.28 | $1,046.04 | 20260320 | 807 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | 0 | No | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.77 | No | Fee Simple | Individual(s) | Debt Service Coverage | 11522 | Equifax Beacon 5.0 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Declining | 93 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXXXXXXXX | 4000124847 | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $19,620.00 | $26,563.69 | XXXXXXXX | 0.00% | $5,457.12 | $10,426.30 | 7.13% | No | N/A | Self-Employed | No | No | $34,515.78 | 1 | X | $16,875.00 | $803.16 | XXXXXXXXXXX | CA | $3,496.00 | Monthly | 30.458% | 30.458 | 20260330 | 779 | No | No | 100% | [Borrower - Primary
Income - S-Corp] W-2 - 2025; [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 2017; [Borrower - Primary Income - S-Corp] CPA Letter - 03/2026; [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2025; [Borrower - Primary Income - S-Corp] K-1 - 2025; |
[Borrower] Transcripts -
2025; [Borrower] 1040 - 2025; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | $19,620.00 | 0 | No | N/A | 7.125 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | ALTDOC | FICO Risk Score Classic 04 | XXXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | 62 | No | FALSE | No |