VCC MORTGAGE SECURITIES, LLC ABS-15G
Exhibit 99.10
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXXXXX | XXXXXX | 502273 | Closed | 2026-06-15 13:38 | 2026-06-22 13:44 | Waived | 2 - Non-Material | Credit | Borrower | Open Judgment/Lien noted (Borrower 1) | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. compensating factors added - Seller-06/18/2026 Counter-No compensating factors were provided for the exception to the guidelines. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Change memo addressing this has been uploaded. - Buyer-06/17/2026 Open-Open judgments/liens noted for the Guarantor 1. No additional details of this filing were provided to confirm the Guarantor was eligible. Please provide evidence of dismissal of this filing. Additional findings may apply. The borrower’s personal background report reflects two open civil judgments, $XX,XXX dated XX/XXXX and $X,XXX dated XX/XXXX. Lender guidelines require evidence of payoff or a satisfactory letter of explanation from the borrower. Additional conditions may apply upon receipt of the missing documentation. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. compensating factors added - Seller-06/18/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/22/2026 |
2. Credit Approval Memorandum.pdf 2. Credit Approval Memorandum.pdf |
Low LTV of 65% Satisfactory global DSCR for all periods High net worth of the principal. |
XX | Other | Refinance | Cash Out - Other | 9751841 | Originator Post-Close | No | ||
| XXXXXXX | XXXXXX | 502273 | Closed | 2026-06-12 14:02 | 2026-06-22 13:43 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing VOM or VOR | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. mitigating factors included. - Seller-06/18/2026 Counter-No compensating factors were provided for the exception to the guidelines. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Change Memo addressing this attached. - Seller-06/17/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The current mortgage for the subject property is held by a private party. Lender guidelines require evidence of 12 months of on time payments via bank statements or cancelled checks. Additional conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. mitigating factors included. - Seller-06/18/2026 Ready for Review-Document Uploaded. Change Memo addressing this attached. - Seller-06/17/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/22/2026 |
2. Credit Approval Memorandum.pdf 2. Credit Approval Memorandum.pdf |
Low LTV of 65% Satisfactory global DSCR for all periods High net worth of the principal. |
XX | Other | Refinance | Cash Out - Other | 9725845 | Originator Post-Close | No | ||
| XXXXXXX | XXXXXX | 519579 | Closed | 2026-06-19 12:53 | 2026-07-29 08:34 | Waived | 2 - Non-Material | Credit | Borrower | Open Judgment/Lien noted (Borrower 1) | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. - Buyer-07/27/2026 Open-Open judgments/liens noted for the Guarantor 1. No additional details of this filing were provided to confirm the Guarantor was eligible. Please provide evidence of dismissal of this filing. Additional findings may apply. Guarantor 1. personal background report reflects six open civil judgments and liens, $XXX,XXX dated XX/XXXX; $XXX,XXX dated XX/XXXX; $XX,XXX dated XX/XXXX; $XX,XXX dated XX/XXXX; $XX,XXX dated XX/XXXX; and $X,XXX dated XX/XXXX. Lender guidelines require evidence of payoff or a satisfactory letter of explanation from the borrower. Additional conditions may apply upon receipt of the missing documentation. - Due Diligence Vendor-06/19/2026 |
Status provided by borrower, we don't have any additional information outside of the following comment: The personal background reports for the principal guarantors reflects civil judgments/liens, with filing dates ranging from XX/XXXX through XX/XXXX, as previously stated. The borrower has advised that all referenced judgments and liens have been resolved and is in the process of providing a formal, signed Letter of Explanation (LOE) confirming the status and resolution of these items. The borrower maintains that these items have been resolved and, therefore, represent minimal credit risk to the transaction. While a letter of explanation has not yet been obtained, XXX is comfortable proceeding due to mitigating factors. As mitigating factors, the principals demonstrate an excellent credit history with a strong track record of repayment and overall credit management. Additionally, the subject transaction is supported by sufficient cash flow to service the proposed debt obligation with a fully secured 1st LTV of 64.86%. Given the borrower's representation that the judgments and liens have been resolved, coupled with the strong credit profile, adequate cashflow, and significant collateral coverage, these items are considered adequately mitigated and pose minimal risk to the lender. - 07/29/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/27/2026 |
2. Credit Approval Memorandum.pdf | Principals strong credit profile Adequate cash flow Significant collateral coverage |
XX | Other | Refinance | Cash Out - Other | 9846437 | Originator Post-Close | No | ||
| XXXXXXX | XXXXXX | 519579 | Closed | 2026-06-19 12:56 | 2026-07-29 08:34 | Waived | 2 - Non-Material | Credit | Borrower | Open Judgment/Lien noted (Borrower 2) | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. - Seller-07/27/2026 Open-Open judgments/liens noted for the Guarantor 2. No additional details of this filing were provided to confirm the Guarantor was eligible. Please provide evidence of dismissal of this filing. Additional findings may apply. Guarantor 2. personal background report reflects six open civil judgments and liens, $XX,XXX.XX dated XX/XXXX; $XXX dated XX/XXXX. Lender guidelines require evidence of payoff or a satisfactory letter of explanation from the borrower. Additional conditions may apply upon receipt of the missing documentation. - Due Diligence Vendor-06/19/2026 |
Status provided by borrower, we don't have any additional information outside of the following comment: The personal background reports for the principal guarantors reflects civil judgments/liens, with filing dates ranging from XX/XXXX through XX/XXXX, as previously stated. The borrower has advised that all referenced judgments and liens have been resolved and is in the process of providing a formal, signed Letter of Explanation (LOE) confirming the status and resolution of these items. The borrower maintains that these items have been resolved and, therefore, represent minimal credit risk to the transaction. While a letter of explanation has not yet been obtained, XXX is comfortable proceeding due to mitigating factors. As mitigating factors, the principals demonstrate an excellent credit history with a strong track record of repayment and overall credit management. Additionally, the subject transaction is supported by sufficient cash flow to service the proposed debt obligation with a fully secured 1st LTV of 64.86%. Given the borrower's representation that the judgments and liens have been resolved, coupled with the strong credit profile, adequate cashflow, and significant collateral coverage, these items are considered adequately mitigated and pose minimal risk to the lender. - 07/29/2026 Ready for Review-Document Uploaded. - Seller-07/27/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/27/2026 |
2. Credit Approval Memorandum.pdf | Principals strong credit profile Adequate cash flow Significant collateral coverage |
XX | Other | Refinance | Cash Out - Other | 9846469 | Originator Post-Close | No | ||
| XXXXXXX | XXXXXX | 519579 | Closed | 2026-06-19 12:20 | 2026-07-27 13:36 | Waived | 2 - Non-Material | Credit | Closing | Collections, liens or judgments not paid at closing | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. change memo addresses this - Buyer-07/27/2026 Open-The borrower’s business background report reflects open state tax lien, $X,XXX dated XX/XX/XXXX. Lender guidelines require evidence of payoff or a satisfactory letter of explanation from the borrower. Additional conditions may apply upon receipt of the missing documentation. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/27/2026 |
2. Credit Approval Memorandum.pdf | Principals strong credit profile Adequate cash flow Significant collateral coverage |
XX | Other | Refinance | Cash Out - Other | 9845889 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 537596 | Closed | 2026-06-17 08:43 | 2026-07-29 08:36 | Acknowledged | 3 - Material | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Acknowledged-Unable to resolve, the finding will be graded a C or material. - Due Diligence Vendor-07/22/2026 Unable to Resolve-Unable to Resolve-No account access letter available, but spouse signed the loan application and personal financial statement. - Buyer-07/13/2026 Open-Asset Record 1 Does Not Meet G/L Requirements The funds verified are reported in the name of the Borrower's spouse. An account access letter is required but was not provided. - Due Diligence Vendor-06/17/2026 |
XXX XXX was comforted using this account because the spouse signed the loan application and personal financial statement. Per XXX XXX" We were just verifying the source of funds to comply KYC laws. We aren’t controlling the funds and we aren’t looking for access to the account, so we don’t ask for account access letters." - 07/29/2026 |
Acknowledged-Unable to resolve, the finding will be graded a C or material. - Due Diligence Vendor-07/22/2026 |
XX | Other | Purchase | NA | 9789923 | Originator Post-Close | No | ||||
| XXXXXXX | XXXXXX | 971340 | Closed | 2026-06-11 14:38 | 2026-06-15 15:08 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/15/2026 Waived-Borrower live in rent free. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/15/2026 Waived-Borrower live in rent free. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/11/2026 |
Strong reserves | XX | Other | Purchase | NA | 9700699 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 841803 | Closed | 2026-06-11 10:59 | 2026-06-16 16:20 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/16/2026 Waived-Audited FICO 610 is less than Guideline FICO 650., However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/16/2026 Waived-Audited FICO 610 is less than Guideline FICO 650., However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/11/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9693926 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 304844 | Closed | 2026-06-15 11:21 | 2026-07-28 10:20 | Waived | 2 - Non-Material | Credit | Eligibility | Commercial Debt Service Coverage Ratio below guideline minimum | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/15/2026 Waived-Commercial Debt Service Coverage Ratio of 0.88 is below guideline minimum of 1.20 for the refinance of a Traditional 1 property with a loan amount greater than $XXX,XXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/15/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/15/2026 Waived-Commercial Debt Service Coverage Ratio of 0.88 is below guideline minimum of 1.20 for the refinance of a Traditional 1 property with a loan amount greater than $XXX,XXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/15/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9748907 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 304844 | Closed | 2026-06-12 07:13 | 2026-07-28 10:20 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/15/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower is in Rent-free. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/12/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/15/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower is in Rent-free. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/12/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9713597 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 301606 | Closed | 2026-06-11 15:53 | 2026-06-15 15:47 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/15/2026 Waived-Audited FICO of 649 is less than Guideline minimum FICO of 650. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/15/2026 Waived-Audited FICO of 649 is less than Guideline minimum FICO of 650. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/11/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9702837 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 301606 | Closed | 2026-06-15 13:51 | 2026-06-15 15:47 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/15/2026 Waived-Lender guidelines require no more than 1x30x12 in the most recent 12 months. Despite this requirement documentation in the file reports 1x60x12 on the borrower's primary residence. Lender provided approved exception dated pror to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/15/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/15/2026 Waived-Lender guidelines require no more than 1x30x12 in the most recent 12 months. Despite this requirement documentation in the file reports 1x60x12 on the borrower's primary residence. Lender provided approved exception dated pror to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/15/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9752121 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 720774 | Closed | 2026-06-11 13:49 | 2026-07-10 08:37 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Corrected Uploaded - Buyer-07/02/2026 Open-Loan amount is less than the guideline minimum loan amount. The Lender provided an exception, however the compensating factor is not validated. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 |
XXX Loan Approval Form-XXXXXXXX - XXXXX.pdf | Excess equity | XX | Investment | Refinance | Cash Out - Other | 9699554 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 451447 | Closed | 2026-06-11 13:01 | 2026-06-16 16:50 | Waived | 2 - Non-Material | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/16/2026 Waived-Flood Insurance Effective Date XX/XX/XXXX is after the Note Date XX/XX/XXXX. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/16/2026 Waived-Flood Insurance Effective Date XX/XX/XXXX is after the Note Date XX/XX/XXXX. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/11/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9697999 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 628223 | Closed | 2026-06-19 08:51 | 2026-06-24 17:49 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/19/2026 |
Property Condition Strong Marketing Trends |
XX | Investment | Refinance | Cash Out - Other | 9842508 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 628223 | Closed | 2026-06-24 09:12 | 2026-06-24 17:49 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-600 FICO less than minimum allowed of 650. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/24/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-600 FICO less than minimum allowed of 650. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/24/2026 |
Property Condition Strong Marketing trends |
XX | Investment | Refinance | Cash Out - Other | 9912341 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 208381 | Closed | 2026-06-16 12:48 | 2026-06-16 16:58 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/16/2026 Waived-Audit FICO of 618 is less than minimum allowed of 650. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/16/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/16/2026 Waived-Audit FICO of 618 is less than minimum allowed of 650. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/16/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9772427 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 208381 | Closed | 2026-06-11 14:13 | 2026-06-16 16:58 | Waived | 2 - Non-Material | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/16/2026 Waived-Premium not collected at closing. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/16/2026 Waived-Premium not collected at closing. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/11/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9700248 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 559616 | Closed | 2026-06-19 11:25 | 2026-06-22 17:32 | Waived | 2 - Non-Material | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/22/2026 Waived-Hazard Insurance Policy Partially Provided Premium will not be collected at closing due to a verified payment plan. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/22/2026 Waived-Hazard Insurance Policy Partially Provided Premium will not be collected at closing due to a verified payment plan. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Seasoned Investor | XX | Investment | Refinance | Cash Out - Other | 9844857 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 805607 | Closed | 2026-06-26 08:43 | 2026-06-30 15:27 | Waived | 2 - Non-Material | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-As per GL Deductible is $XX,XXX for Hazard Insurance, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-As per GL Deductible is $10,000 for Hazard Insurance, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Seasoned Investor | XX | Investment | Refinance | Cash Out - Other | 9955093 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 707703 | Closed | 2026-06-19 13:43 | 2026-06-23 17:23 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/23/2026 Waived-Audited FICO is less than Guideline FICO,However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/23/2026 Waived-Audited FICO is less than Guideline FICO,However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Strong Marketing Trends |
XX | Investment | Refinance | Cash Out - Other | 9847226 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 707703 | Closed | 2026-06-19 13:15 | 2026-06-23 17:23 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/23/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Rent (VOR) However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/23/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Rent (VOR) However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Strong Marketing Trends | XX | Investment | Refinance | Cash Out - Other | 9846746 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 673316 | Closed | 2026-06-11 09:28 | 2026-06-16 17:12 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/16/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Liens held by private parties, Cancelled checks from the borrower for the past 12 months are required. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/16/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Liens held by private parties, Cancelled checks from the borrower for the past 12 months are required. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/11/2026 |
Seasoned Investor Strong Marketing Trends |
XX | Investment | Refinance | Cash Out - Other | 9688335 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 763041 | Closed | 2026-06-26 09:32 | 2026-07-10 14:57 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Uploaded - Buyer-07/03/2026 Open-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $75000 Audited Loan Amount is less than Guideline Minimum Loan Amount. Lender provided approved exception dated prior to consummation, but Low LTV is not considered a valid compensating factor on a FAST50 document level - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 |
XXX Loan Approval Form-XXXXXXXXX - XXXXX.pdf | Excess equity |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 9956016 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 816968 | Closed | 2026-06-22 08:34 | 2026-07-21 11:23 | Acknowledged | 3 - Material | Property | Property Issue | Property Damage Present | Acknowledged-The finding was acknowledged and will be graded a C or material. - Due Diligence Vendor-07/21/2026 Unable to Resolve-Unable to Resolve-38.34% LTV, appraisal made as-is and the property condition is considered in the value/LTV - the XXX for repairs was deducted from the appraised value. Per the appraisal, the deferred maintenance items are, "These items included electrical panel installation and electrical wiring repair involving multiple suites, installation of two ductless mini-splits, repair of interior walls in Suite 3, repair of flooring in Suite 3, installation of double door for Suite 3 and fence modification and parking lot marking for two tandem parking spaces. " - The borrower provided an LOE committing to complete repairs/renovations using cash-out proceeds. VCC hasn't confirmed the status of repairs, but expects the borrower to fulfill their commitment to complete them. XXX was further comforted by the low LTV. - Buyer-07/20/2026 Open-Property Damage Present. The subject property suffers from significant deferred maintenance with an estimated cost to cure of $44,000. - Due Diligence Vendor-06/22/2026 |
Acknowledged-The finding was acknowledged and will be graded a C or material. - Due Diligence Vendor-07/21/2026 |
XX | Investment | Refinance | Cash Out - Other | 9861568 | Originator Post-Close | No | |||||
| XXXXXXX | XXXXXX | 453830 | Closed | 2026-06-19 13:04 | 2026-07-28 10:22 | Waived | 2 - Non-Material | Credit | Eligibility | Seasoning Requirements Not Met | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/28/2026 Waived-Subject property is owned by the borrower for less than 24 months in the title. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/28/2026 Waived-Subject property is owned by the borrower for less than 24 months in the title. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Low LTV Seasoned investor |
XX | Investment | Refinance | Cash Out - Other | 9846587 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 453830 | Closed | 2026-06-19 13:04 | 2026-07-28 10:22 | Waived | 2 - Non-Material | Property | Appraisal | Appraisal is Expired | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/28/2026 Waived-Appraisal dated XX/XX/XXXX has been expired and extended to XX/XX/XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/28/2026 Waived-Appraisal dated XX/XX/XXXX has been expired and extended to XX/XX/XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Low LTV Seasoned Investor |
XX | Investment | Refinance | Cash Out - Other | 9846590 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 733664 | Closed | 2026-06-19 18:02 | 2026-07-14 08:40 | Waived | 2 - Non-Material | Credit | Debt | Number of Collections exceed guidelines | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. Corrected uploaded with comp factor of strong reserves - Buyer-07/13/2026 Counter-Updated loan approval still does not show any compensating factors. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Corrected uploaded - Buyer-07/03/2026 Open-Collection account #XXXX reflects amount greater than $XXX. As per guidelines, Collection account or charge off should not exceed $XX,XXX. Lender However, the lender provided an approved exception dated prior to consummation, but no compensating factors were provided. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/14/2026 |
XXX Loan Approval Form-XXXXXXXXXX - XXXXXXXXXX.pdf XXX Loan Approval Form-XXXXXXXXXX - XXXXXXXXXX (1).pdf |
Strong reserves | XX | Investment | Purchase | NA | 9849752 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 223252 | Closed | 2026-06-26 08:38 | 2026-06-30 14:09 | Waived | 2 - Non-Material | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-No premium Collected at closing; however, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-No premium Collected at closing; however, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Seasoned Investor | XX | Investment | Refinance | Cash Out - Other | 9955034 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 223252 | Closed | 2026-06-26 08:34 | 2026-06-30 14:09 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower is Living in rent free.However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower is Living in rent free.However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Strong Reserves | XX | Investment | Refinance | Cash Out - Other | 9954987 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 626325 | Closed | 2026-06-26 13:03 | 2026-06-29 13:38 | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Lender guidelines require a minimum of 2 active major consumer tradelines. Despite this requirement, borrower had only 1. Lender provided approved exception dated prior to consummation and al lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Lender guidelines require a minimum of 2 active major consumer tradelines. Despite this requirement, borrower had only 1. Lender provided approved exception dated prior to consummation and al lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Strong Reserves. Seasoned Business |
XX | Other | Purchase | NA | 9960406 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 626325 | Closed | 2026-06-26 13:00 | 2026-06-29 13:38 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower is living in rent free.However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated for conditions section comment. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower is living in rent free.However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated for conditions section comment. - Due Diligence Vendor-06/26/2026 |
Strong Reserves Seasoned Business |
XX | Other | Purchase | NA | 9960347 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 684228 | Closed | 2026-06-29 13:17 | 2026-07-10 15:08 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Uploaded - Buyer-07/03/2026 Open-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $75,000 Lender provided approved exception dated prior to consummation, but compensating factor of Low LTV, 50%, was not validated as the loan was approved as a FAST50 document level. - Due Diligence Vendor-06/29/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 |
XXX Loan Approval Form-XXXXXXXXXX - XXXXXXXXXX.pdf | Excess equity | XX | Investment | Refinance | Cash Out - Other | 9984220 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 537757 | Closed | 2026-06-26 10:41 | 2026-06-30 16:15 | Waived | 2 - Non-Material | Credit | Eligibility | Seasoning Requirements Not Met | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-The subject loan was refinanced recently. Per lender's guidelines, a frequent refinance with less than 12 months seasoning is not allowed. A refinance occurred within the last 10 months. The lender provided an approved exception dated prior to consummation and all compensating factors have been validate. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-The subject loan was refinanced recently. Per lender's guidelines, a frequent refinance with less than 12 months seasoning is not allowed. A refinance occurred within the last 10 months. The lender provided an approved exception dated prior to consummation and all compensating factors have been validate. - Due Diligence Vendor-06/26/2026 |
Property Condition | XX | Investment | Refinance | Cash Out - Other | 9957078 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 470317 | Closed | 2026-06-19 09:42 | 2026-07-10 12:07 | Waived | 2 - Non-Material | Credit | Eligibility | Loan amount less than guideline minimum | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Corrected Uploaded - Buyer-07/03/2026 Open- - Due Diligence Vendor-06/24/2026 Waived-Lender guidelines allow a minimum loan amount of $75,000, despite this requirement qualifying loan amount is XX,XXX. Lender provided an approved exception dated prior to consummation, however the compensating factor of low LTV is not valid. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Waived-Lender guidelines allow a minimum loan amount of $75,000, despite this requirement qualifying loan amount is XX,XXX. Lender provided an approved exception dated prior to consummation, however the compensating factor of low LTV is not valid. - Due Diligence Vendor-06/19/2026 |
XXX Loan Approval Form-XXXXXXXXXX - XXXXX.pdf | Excess equity | XX | Investment | Refinance | Cash Out - Other | 9843342 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 496927 | Closed | 2026-06-24 18:08 | 2026-06-24 18:10 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-The subject is a rural property as defined by the lender guidelines. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/24/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-The subject is a rural property as defined by the lender guidelines. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/24/2026 |
Strong Marketing Trends | XX | Investment | Refinance | Cash Out - Other | 9924785 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 229100 | Closed | 2026-06-26 14:57 | 2026-06-29 14:41 | Waived | 2 - Non-Material | Credit | Eligibility | Commercial Debt Service Coverage Ratio below guideline minimum | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Commercial Debt Service Converge Ratio of 0.79 is below guideline minimum of 1.00, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Commercial Debt Service Converge Ratio of 0.79 is below guideline minimum of 1.00, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Strong Reserves High Fico |
XX | Other | Purchase | NA | 9964497 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 855500 | Closed | 2026-06-19 08:35 | 2026-07-10 11:39 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. - Buyer-07/03/2026 Open-Audited Loan Amount is less than Guideline Minimum Loan Amount. However, the lender provided an approved exception dated prior to consummation, however the compensating factor of low LTV is not valid. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 |
XXX Loan Approval Form-XXXXXXXXXX - XXXXXXXXXX.pdf | Excess equity | XX | Investment | Refinance | Cash Out - Other | 9841581 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 456532 | Closed | 2026-06-26 13:52 | 2026-07-01 11:50 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/01/2026 Waived-Audited Loan Amount of $XX,XXX is less than Guideline Minimum Loan Amount $75,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/01/2026 Waived-Audited Loan Amount of $XX,XXX is less than Guideline Minimum Loan Amount $75,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Strong DSCR | XX | Investment | Refinance | Cash Out - Other | 9961950 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 830837 | Closed | 2026-06-26 10:25 | 2026-06-30 14:11 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited fico of 585 is less than the guideline minimum fico of 650. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited fico of 585 is less than the guideline minimum fico of 650. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Low LTV | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 9956794 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 319562 | Closed | 2026-06-19 08:27 | 2026-06-23 17:51 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/23/2026 Waived-FICO score is less than the guideline minimum FICO score. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/23/2026 Waived-FICO score is less than the guideline minimum FICO score. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/19/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9841458 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 164378 | Closed | 2026-06-29 13:02 | 2026-07-21 11:26 | Acknowledged | 3 - Material | Property | Missing Doc | Missing Updated Completion Report (442/1004D) | Unable to Resolve-Unable to Resolve-Purchase transaction. The property was vacant at origination and despite no proof of utilities being turned on, XXX was comfortable proceeding. This borrower is a seasoned investor and is expected to have utilities turned on prior to occupancy. - Due Diligence Vendor-07/20/2026 Acknowledged-Unable to Resolve-The finding is acknowledged and will be graded a D or material. - Due Diligence Vendor-07/21/2026 Open-the appraisal was completed subject to evidence the utilities were turned on and in working order. Despite this requirement, no final inspection was provided. - Due Diligence Vendor-06/29/2026 |
Acknowledged-Unable to Resolve-The finding is acknowledged and will be graded a D or material. - Due Diligence Vendor-07/21/2026 |
XX | Investment | Purchase | NA | 9983907 | Originator Post-Close | No | |||||
| XXXXXXX | XXXXXX | 480957 | Closed | 2026-06-26 13:01 | 2026-07-28 10:31 | Waived | 2 - Non-Material | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/28/2026 Waived-HO-90 Wind, Windstorm OR Hail Exclusion However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/28/2026 Waived-HO-90 Wind, Windstorm OR Hail Exclusion However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9960376 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 340802 | Closed | 2026-06-26 15:55 | 2026-07-10 15:19 | Waived | 2 - Non-Material | Credit | Eligibility | Seasoning Requirements Not Met | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Exception noted on uploaded approval - Buyer-07/03/2026 Open-The subject property was a recent purchase within the past 12 months. Lender guidelines require the value estimate to be limited to the lessor of the original purchase price or current appraised value. Despite this requirement, the lender used the current appraised value to calculate the LTV for the subject transaction. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 |
XXX Loan Approval Form-XXXXXXXXXX - XXXXXXXXXX.pdf | High FICO | XX | Investment | Refinance | Cash Out - Other | 9965846 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 963301 | Closed | 2026-06-11 14:42 | 2026-06-17 16:40 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing Lease Agreement | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/17/2026 Waived-Missing Lease Agreement. Lease pages are missing (4, 5, 6 & 8.) However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/17/2026 Waived-Missing Lease Agreement. Lease pages are missing (4, 5, 6 & 8.) However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/11/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9701047 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 744699 | Closed | 2026-06-19 12:32 | 2026-06-24 18:13 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-Audited fico of 606 is less than Guideline minimum FICO of 650. the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/19/2026 |
Seasoned Investor - 06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-Audited fico of 606 is less than Guideline minimum FICO of 650. the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/19/2026 |
Seasoned Investor | XX | Investment | Refinance | Cash Out - Other | 9846054 | Originator Pre-Close | Yes | |||
| XXXXXXX | XXXXXX | 744699 | Closed | 2026-06-19 14:45 | 2026-06-24 18:13 | Waived | 2 - Non-Material | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-Subject property XXXXX, hazard insurance does not reflect Wind and Hail value. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-Subject property XXXXX XXXXXX, hazard insurance does not reflect Wind and Hail value. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/19/2026 |
Seasoned Investor | XX | Investment | Refinance | Cash Out - Other | 9848115 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 664515 | Closed | 2026-06-24 07:47 | 2026-06-24 18:14 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-Housing History Does Not Meet Guideline Requirements The subject payment history does not meet lender guidelines. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/24/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/24/2026 Waived-Housing History Does Not Meet Guideline Requirements The subject payment history does not meet lender guidelines. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/24/2026 |
Seasoned Business | XX | Investment | Refinance | Cash Out - Other | 9910802 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 268971 | Closed | 2026-06-26 09:53 | 2026-06-30 14:21 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Borrower is first time Investor so 5% deducted from LTV. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Borrower is first time Investor so 5% deducted from LTV. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Strong Reserves | XX | Other | Purchase | NA | 9956334 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 301346 | Closed | 2026-07-28 15:02 | 2026-07-28 15:02 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/28/2026 Open-Audited FICO is less than Guideline FICO. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-07/28/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/28/2026 |
Strong reserves | XX | Investment | Refinance | Cash Out - Other | 10499373 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 957972 | Closed | 2026-06-19 15:06 | 2026-07-22 08:41 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Exception noted on uploaded approval - Buyer-07/03/2026 Open-Missing rent comparable schedule form 1007 - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 |
XXX Loan Approval Form-XXXXXXXXXX - XXXXXXXXXX.pdf | High FICO | XX | Investment | Purchase | NA | 9848430 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 244114 | Closed | 2026-06-22 10:06 | 2026-06-25 09:08 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-Audited FICO is less than Guideline FICO, Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/22/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-Audited FICO is less than Guideline FICO, Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/22/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9864466 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 969582 | Closed | 2026-06-25 10:38 | 2026-06-25 10:43 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-Subject property is determined to be in a rural location as defined by the lender guidelines. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/25/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-Subject property is determined to be in a rural location as defined by the lender guidelines. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/25/2026 |
Low LTV Property Condition |
XX | Investment | Refinance | Cash Out - Other | 9938258 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 681069 | Closed | 2026-06-26 15:35 | 2026-06-30 14:25 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Seasoned investor | XX | Investment | Refinance | Cash Out - Other | 9965393 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 862098 | Closed | 2026-06-19 12:08 | 2026-06-25 10:49 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-Audited LTV of 75% exceeds Guideline LTV of 70% due to a 5% LTV reduction for a first time investor. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-Audited LTV of 75% exceeds Guideline LTV of 70% due to a 5% LTV reduction for a first time investor. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/19/2026 |
Strong Marketing Trends Strong Reserves |
XX | Investment | Purchase | NA | 9845704 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 893850 | Closed | 2026-06-26 08:57 | 2026-06-30 14:29 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Borrower FICO score is less than the Guideline min. required FICO score, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Borrower FICO score is less than the Guideline min. required FICO score, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9955409 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 858405 | Closed | 2026-06-11 12:10 | 2026-06-17 16:45 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/17/2026 Waived-Audited FICO - 629 is less than Guideline FICO - 650. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/17/2026 Waived-Audited FICO - 629 is less than Guideline FICO - 650. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/11/2026 |
Seasoned Investor Strong Marketing Trends |
XX | Investment | Refinance | Cash Out - Other | 9696430 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 217499 | Closed | 2026-06-26 14:13 | 2026-06-30 14:37 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is incomplete. Subject property Mortgage payment is made till XX/XXXX, Recent month history is missing. The lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is incomplete. Subject property Mortgage payment is made till XX/XXXX, Recent month history is missing. The lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
High FICO Low LTV |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 9962759 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 217499 | Closed | 2026-06-30 07:49 | 2026-06-30 14:37 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Housing History Does Not Meet Guideline Requirements Documentation in file reflects rolling late payments. In addition, subject lien is currently due for XX/XX due to maturity. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/30/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Housing History Does Not Meet Guideline Requirements Documentation in file reflects rolling late payments. In addition, subject lien is currently due for XX/XX due to maturity. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/30/2026 |
High FICO Low LTV |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 9998949 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 581674 | Closed | 2026-06-26 10:04 | 2026-06-30 14:39 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited Loan Amount $XX,XXX is less than Guideline Minimum Loan Amount $75,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited Loan Amount $XX,XXX is less than Guideline Minimum Loan Amount $75,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Strong DCR | XX | Investment | Refinance | Cash Out - Other | 9956498 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 705528 | Closed | 2026-06-26 10:23 | 2026-06-30 14:41 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Borrower is a First Time Investor, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Borrower is a First Time Investor, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
High FICO Strong reserves |
XX | Investment | Purchase | NA | 9956773 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 705528 | Closed | 2026-06-26 09:44 | 2026-06-30 14:40 | Waived | 2 - Non-Material | Credit | Insurance | Named Insured on Condo Master Policy does not match HOA Name | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Borrower name and Unit does not match with Master XXX, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Borrower name and Unit does not match with Master XXX, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/26/2026 |
High FICO | XX | Investment | Purchase | NA | 9956206 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 727875 | Closed | 2026-06-26 08:48 | 2026-06-29 15:01 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Loan amount $XX,XXX is less than the guideline minimum loan amount $75,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Loan amount $XX,XXX is less than the guideline minimum loan amount $75,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Low LTV Seasoned Investor |
XX | Investment | Refinance | Cash Out - Other | 9955223 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 727875 | Closed | 2026-06-26 08:50 | 2026-06-29 15:01 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. B1 lives rent free. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. B1 lives rent free. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Seasoned investor Strong Marketing Trends |
XX | Investment | Refinance | Cash Out - Other | 9955263 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 727875 | Closed | 2026-06-26 09:13 | 2026-06-29 15:01 | Waived | 2 - Non-Material | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Wind and hail deductible is $X,XXX which is less than the GL required deductible value of $25,000. The lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/29/2026 Waived-Wind and hail deductible is $X,XXX which is less than the GL required deductible value of $25,000. The lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Seasoned Investor |
XX | Investment | Refinance | Cash Out - Other | 9955723 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 292541 | Closed | 2026-06-19 14:16 | 2026-06-25 12:00 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. No cancelled rent checks for primary. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. No cancelled rent checks for primary. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/19/2026 |
High FICO Strong Marketing Trends |
XX | Investment | Refinance | Cash Out - Other | 9847730 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 274410 | Closed | 2026-06-11 10:14 | 2026-06-17 16:51 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/17/2026 Waived-Audited Loan Amount $XX,XXX.XX is less than Guideline Minimum Loan Amount $75,000. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validate - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/17/2026 Waived-Audited Loan Amount $XX,XXX.XX is less than Guideline Minimum Loan Amount $75,000. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validate - Due Diligence Vendor-06/11/2026 |
Seasoned Investor | XX | Investment | Refinance | Cash Out - Other | 9690243 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 524754 | Closed | 2026-06-26 09:13 | 2026-06-30 14:43 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower's Primary Residence is Rent free, However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower's Primary Residence is Rent free, However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Strong Reserves | XX | Investment | Refinance | Cash Out - Other | 9955719 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 524754 | Closed | 2026-06-26 08:59 | 2026-06-30 14:43 | Waived | 2 - Non-Material | Credit | Eligibility | Seasoning Requirements Not Met | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Property was Purchased on XX/XX/XXXX which is less than 12 months. Lender provided approved exception dated prior to consummation and all lender compensating factors had been documented and validated - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Property was Purchased on XX/XX/XXXX which is less than 12 months. Lender provided approved exception dated prior to consummation and all lender compensating factors had been documented and validated - Due Diligence Vendor-06/26/2026 |
Low LTV Strong Reserves |
XX | Investment | Refinance | Cash Out - Other | 9955478 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 524754 | Closed | 2026-06-30 07:29 | 2026-06-30 14:42 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $75000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/30/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $75000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/30/2026 |
Low LTV | XX | Investment | Refinance | Cash Out - Other | 9998713 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 372569 | Closed | 2026-06-30 12:05 | 2026-07-10 15:24 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Ready for Review-Corrected Uploaded - Buyer-07/03/2026 Open-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $75000 Loan amount is $XX,XXX is less than the guideline minimum Loan Amount of $75,000. Lender provided approved exception dated prior to consummation, but the compensating factor of Low LTV is not valid as the loan was approved under the FAST 50 document level. - Due Diligence Vendor-06/30/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 |
Excess equity | XX | Investment | Refinance | Cash Out - Other | 10004798 | Originator Post-Close | No | ||||
| XXXXXXX | XXXXXX | 372569 | Closed | 2026-06-26 10:03 | 2026-07-10 15:24 | Waived | 2 - Non-Material | Credit | Eligibility | Seasoning Requirements Not Met | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Correced Uploaded - Buyer-07/03/2026 Open-Borrower is on title less than 12 months. Lender provided approved exception dated prior to consummation, but the compensating factor of Low LTV is not valid as the loan was approved under the FAST 50 document level. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 |
Loan approval.pdf | Excess equity | XX | Investment | Refinance | Cash Out - Other | 9956480 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 655868 | Closed | 2026-06-22 10:11 | 2026-06-25 12:39 | Waived | 2 - Non-Material | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-Hazard Insurance Policy Partially Provided Premium will not be collected at closing due to a verified payment plan. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/22/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-Hazard Insurance Policy Partially Provided Premium will not be collected at closing due to a verified payment plan. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/22/2026 |
Seasoned Investor | XX | Investment | Refinance | Cash Out - Other | 9864669 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 655868 | Closed | 2026-06-22 08:59 | 2026-06-25 12:38 | Waived | 2 - Non-Material | Credit | Eligibility | Seasoning Requirements Not Met | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-XXX XXXXX XXXXXX property subject loan was refinanced recently. Per lender's guidelines, a frequent refinance with less than 12 months seasoning is not allowed. A refinance occurred within the last 4 months. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/22/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/25/2026 Waived-XXX XXXXX XXXXXX property subject loan was refinanced recently. Per lender's guidelines, a frequent refinance with less than 12 months seasoning is not allowed. A refinance occurred within the last 4 months. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated - Due Diligence Vendor-06/22/2026 |
Seasoned Investor | XX | Investment | Refinance | Cash Out - Other | 9862081 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 900719 | Closed | 2026-06-19 08:19 | 2026-07-10 14:38 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Corrected UPloaded - Buyer-07/03/2026 Open-Audited Loan Amount is less than Guideline Minimum Loan Amount. The lender provided an approved exception dated prior to consummation however the compensating factor of low LTV is not valid. - Due Diligence Vendor-06/19/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 |
XXX Loan Approval Form-XXXXXXXXXX - XXXXXXXXXX.pdf | Excess equity | XX | Investment | Refinance | Cash Out - Other | 9841230 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 967411 | Closed | 2026-06-26 10:36 | 2026-06-30 14:48 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-As per GL minimum FICO is 650, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-As per GL minimum FICO is 650, However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Low LTV Seasoned Investor |
XX | Investment | Refinance | Cash Out - Other | 9956944 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 892603 | Closed | 2026-06-26 10:48 | 2026-06-30 14:49 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited FICO is less than Guideline FICO. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Audited FICO is less than Guideline FICO. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/26/2026 |
Seasoned Investor Low LTV |
XX | Investment | Refinance | Cash Out - Other | 9957241 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 482331 | Closed | 2026-06-26 13:02 | 2026-07-10 15:36 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing VOM or VOR | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. Exception noted on uploaded approval - Buyer-07/03/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for the Borrower's primary residence. Documentation provided shows owned by another but no VOR or rent-free letter provided. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/10/2026 |
XXX Loan Approval Form-XXXXXXXXXX - XXXXXXXXXX.pdf | High FICO Seasoned business |
XX | Investment | Refinance | Cash Out - Other | 9960383 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 482331 | Closed | 2026-06-30 10:40 | 2026-06-30 14:54 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Missing VOM for subject property 1st and 2nd liens. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/30/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Missing VOM for subject property 1st and 2nd liens. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/30/2026 |
High FICO Seasoned Business |
XX | Investment | Refinance | Cash Out - Other | 10003071 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 482331 | Closed | 2026-06-30 10:44 | 2026-06-30 14:54 | Waived | 2 - Non-Material | Credit | Eligibility | Seasoning Requirements Not Met | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Lender guidelines require a borrower to be on title for the most recent 12 months on a cash out refinance. Despite this requirement, the borrower was added to title via a Grant Deed at close. Lender provided approved exception date prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/30/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Lender guidelines require a borrower to be on title for the most recent 12 months on a cash out refinance. Despite this requirement, the borrower was added to title via a Grant Deed at close. Lender provided approved exception date prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/30/2026 |
High FICO Seasoned Business |
XX | Investment | Refinance | Cash Out - Other | 10003126 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 275539 | Closed | 2026-06-11 12:41 | 2026-07-14 08:02 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. Uploaded - Buyer-07/13/2026 Counter-No document was provided. - Due Diligence Vendor-07/10/2026 Ready for Review-Corrected Uploaded - Buyer-07/02/2026 Open-Subject property is refinance and property is occupied by tenant; however, no lease available in the file. Lender provided approved exception dated prior to consummation; however, the compensating factor has not been validated. - Due Diligence Vendor-06/11/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-07/14/2026 |
XXX Loan Approval Form-XXXXXXXXXX - XXXXXXXXXX.pdf | Excess equity | XX | Investment | Refinance | Cash Out - Other | 9697426 | Originator Post-Close | No | |||
| XXXXXXX | XXXXXX | 584612 | Closed | 2026-06-26 05:39 | 2026-06-30 14:57 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower is living in rent free. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower is living in rent free. However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Low LTV | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 9952489 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 584612 | Closed | 2026-06-26 06:26 | 2026-06-30 14:57 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing VOM or VOR | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-As per GL we need payment proof for the private lender., however proof is missing., the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-As per GL we need payment proof for the private lender., however proof is missing., the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-06/26/2026 |
Low LTV | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 9953315 | Originator Pre-Close | Yes | ||||
| XXXXXXX | XXXXXX | 584612 | Closed | 2026-06-30 11:14 | 2026-06-30 14:57 | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Lender guidelines require a minimum of 2 active major consumer credit tradelines. Despite this requirement, the credit report only reflects 1 tradeline. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/30/2026 |
Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-06/30/2026 Waived-Lender guidelines require a minimum of 2 active major consumer credit tradelines. Despite this requirement, the credit report only reflects 1 tradeline. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/30/2026 |
Low LTV | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 10003748 | Originator Pre-Close | Yes |