MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.2 - Schedule 5
Supplemental Data
Run Date - 7/23/2026 11:10:18 AM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | Default Interest Rate | Default Interest Accrual Start Days | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag | Total Number of Mortgaged Properties | Amortization Term Less IO |
| [Redact] | 9768763 | [Redact] | N/A | No | No | $14,062.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $14,062.50 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 122.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194518 | [Redact] | Exempt from ATR | No | No | $37,257.86 | $22,877.36 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 36.309% | 36.309% | 36.309% | 791 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $37,257.86 | [Redact] | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 4 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 296.48 | No | No | $0.00 | [Redact] | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194482 | [Redact] | Exempt from ATR | No | No | $9,927.50 | $12,495.61 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 22.590% | 22.590% | 22.590% | [Redact] | 758 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $9,927.50 | [Redact] | $0.00 | 1.8 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 51.28 | No | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194491 | [Redact] | Non QM | Yes | No | $23,549.00 | $31,452.80 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 29.128% | 29.128% | 29.128% | [Redact] | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $23,549.00 | [Redact] | $18,000.00 | 3.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 6.140% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 111.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194474 | [Redact] | Non QM | Yes | No | $8,845.00 | $4,592.16 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 26.316% | 26.316% | 26.316% | [Redact] | 774 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $8,845.00 | [Redact] | $4,500.00 | 3.3 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 57.670% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.23 | No | $0.00 | [Redact] | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194504 | [Redact] | Non QM | Yes | No | $10,042.00 | $14,839.60 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 20.891% | 20.891% | 20.891% | [Redact] | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,042.00 | [Redact] | $5,000.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | 0.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.67 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194516 | [Redact] | Non QM | Yes | No | $14,065.00 | $8,963.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.697% | 49.697% | 49.697% | [Redact] | 717 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $14,065.00 | [Redact] | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.71 | No | $0.00 | [Redact] | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194523 | [Redact] | Non QM | Yes | No | $8,186.45 | $11,523.40 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Permanent Resident Alien | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 46.300% | 46.300% | 46.300% | [Redact] | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $8,186.45 | [Redact] | $36,400.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 7.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194525 | [Redact] | Non QM | Yes | No | $10,410.95 | $5,150.96 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.219% | 43.219% | 43.219% | [Redact] | 732 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $10,410.95 | [Redact] | $12,000.00 | None | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 4 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 142.05 | Yes | No | $0.00 | [Redact] | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195043 | [Redact] | Non QM | Yes | No | $14,545.10 | $15,170.90 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 31.697% | 31.697% | 31.697% | [Redact] | 747 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $14,545.10 | [Redact] | $0.00 | 1.7 | LP / LPA | Accept/Eligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 120.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195045 | [Redact] | Non QM | Yes | No | $10,595.00 | $13,281.22 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 10.188% | 10.188% | 10.188% | [Redact] | 812 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,595.00 | [Redact] | $8,500.00 | 1.1 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 24.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195047 | [Redact] | Non QM | Yes | No | $6,365.00 | $7,037.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 40.154% | 40.154% | 40.154% | [Redact] | 792 | No | No | [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redact] | $6,365.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 77.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 77.91 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195048 | [Redact] | Non QM | Yes | No | $9,177.50 | $11,339.58 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 26.057% | 26.057% | 26.057% | [Redact] | 689 | No | Yes | 36 | Business | 71.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $9,177.50 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195049 | [Redact] | Non QM | Yes | No | $9,064.00 | $9,869.09 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 8.949% | 8.949% | 8.949% | [Redact] | 677 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $9,064.00 | [Redact] | $0.00 | 1.5 | LP / LPA | Accept/Eligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 35.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 42.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195051 | [Redact] | Non QM | Yes | No | $15,165.00 | $6,551.11 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 34.895% | 34.895% | 34.895% | [Redact] | 675 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $15,165.00 | [Redact] | $0.00 | 2.6 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195057 | [Redact] | Non QM | Yes | No | $15,515.00 | $12,424.42 | [Redact] | [Redact] | [Redact] | [Redact] | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 20.549% | 20.549% | 20.549% | [Redact] | 783 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $15,515.00 | [Redact] | $0.00 | 2.1 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 2.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 123.92 | Yes | No | [Redact] | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195058 | [Redact] | Non QM | Yes | No | $26,469.50 | $35,968.67 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 11.170% | 11.170% | 11.170% | [Redact] | 786 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redact] | $26,469.50 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [Redact] | [Redact] | 2.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.63 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195072 | [Redact] | Non QM | Yes | No | $8,558.75 | $2,889.22 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 9.765% | 9.765% | 9.765% | [Redact] | 677 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $8,558.75 | [Redact] | $7,850.00 | 3.3 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 36.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 39.6 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195073 | [Redact] | Non QM | Yes | No | $7,191.52 | $2,439.07 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 32.059% | 32.059% | 32.059% | [Redact] | 764 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $7,191.52 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 37.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195074 | [Redact] | Exempt from ATR | No | No | $14,550.51 | $8,313.10 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 9.592% | 9.592% | 9.592% | [Redact] | 719 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2012 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redact] | $14,550.51 | [Redact] | $0.00 | 1.9 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1288.31 | No | No | [Redact] | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195076 | [Redact] | Exempt from ATR | No | No | $31,601.07 | $7,845.11 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Not Employed | Self-Employed | 8.32 | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 34.265% | 34.265% | 34.265% | [Redact] | 782 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $31,601.07 | [Redact] | $0.00 | 2.8 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 1.970% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.02 | No | No | [Redact] | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195077 | [Redact] | Non QM | Yes | No | $7,156.00 | $2,769.36 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 46.042% | 46.042% | 46.042% | [Redact] | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $7,156.00 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 30.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 19.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195079 | [Redact] | Non QM | Yes | No | $13,493.75 | $18,834.08 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 17.061% | 17.061% | 17.061% | [Redact] | 659 | No | Yes | 12 | Business | 100.000% | 70.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $13,493.75 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 3.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.9 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195083 | [Redact] | Non QM | Yes | No | $13,394.06 | $17,282.19 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 35.671% | 35.671% | 35.671% | [Redact] | 797 | No | Yes | 24 | Business | 100.000% | 66.660% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 66.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $13,394.06 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | Employment Authorization | No | 7.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195088 | [Redact] | Non QM | Yes | No | $40,115.00 | $10,855.06 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 39.650% | 35.875% | 39.650% | [Redact] | 700 | No | Yes | 12 | Business | 100.000% | 49.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $40,115.00 | [Redact] | $500,000.00 | 1.2 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 360 | [Redact] | [Redact] | 14.130% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.48 | Yes | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195090 | [Redact] | Non QM | Yes | No | $17,160.00 | $7,728.42 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 26.453% | 26.453% | 26.453% | [Redact] | 758 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $17,160.00 | [Redact] | $20,010.00 | 2.4 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 0.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.11 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195091 | [Redact] | Non QM | Yes | No | $61,890.00 | $18,642.35 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 33.303% | 33.303% | 33.303% | [Redact] | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $61,890.00 | [Redact] | $0.00 | 1.1 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195093 | [Redact] | Non QM | Yes | No | $13,865.00 | $16,940.97 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 41.176% | 41.176% | 41.176% | [Redact] | 715 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $13,865.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195096 | [Redact] | Non QM | Yes | No | $52,895.00 | $29,385.49 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 11.487% | 11.487% | 11.487% | [Redact] | 778 | No | Yes | 12 | Business | 100.000% | 74.270% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 74.27% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 74.27% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 74.27% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 74.27% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 74.27% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 74.27% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2015 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 74.27% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $52,895.00 | [Redact] | $0.00 | 3.3 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195098 | [Redact] | Non QM | Yes | No | $19,083.75 | $20,916.99 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 36.056% | 36.056% | 36.056% | [Redact] | 804 | No | No | [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $19,083.75 | [Redact] | $0.00 | 2.5 | None | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 15.040% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 135.2 | No | No | [Redact] | [Redact] | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195099 | [Redact] | Non QM | Yes | No | $31,865.00 | $4,566.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.500% | 37.500% | 37.500% | [Redact] | 749 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $31,865.00 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 154.62 | Yes | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195105 | [Redact] | Non QM | Yes | No | $19,865.00 | $4,138.67 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 46.016% | 46.016% | 46.016% | [Redact] | 801 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $19,865.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195106 | [Redact] | Non QM | Yes | No | $18,282.24 | $12,631.91 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 20.758% | 20.758% | 20.758% | [Redact] | 751 | No | Yes | 12 | Business | 69.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $18,282.24 | [Redact] | $19,000.00 | 2.6 | DU | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 19.260% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195108 | [Redact] | Non QM | Yes | No | $5,559.50 | $6,542.74 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 11.030% | 11.030% | 11.030% | [Redact] | 796 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $5,559.50 | [Redact] | $3,000.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 1.730% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195115 | [Redact] | Non QM | Yes | No | $13,565.00 | $5,380.97 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.827% | 42.827% | 42.827% | [Redact] | 704 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $13,565.00 | [Redact] | $0.00 | 1.1 | DU | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 4 | 0 | 0.00 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195116 | [Redact] | Non QM | Yes | No | $7,085.00 | $4,584.67 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.554% | 44.554% | 44.554% | [Redact] | 791 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $7,085.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 | 14.00 | No | [Redact] | [Redact] | 36.290% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 96.55 | No | No | [Redact] | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195119 | [Redact] | Exempt from ATR | No | No | $6,889.56 | $5,847.23 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.246% | 37.246% | 37.246% | [Redact] | 722 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $6,889.56 | [Redact] | $5,000.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 341.32 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195044 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 714 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 73.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195046 | [Redact] | N/A | No | No | $24,712.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $24,712.50 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | [Redact] | [Redact] | 32.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195050 | [Redact] | N/A | No | No | $11,400.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 691 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $11,400.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195064 | [Redact] | N/A | No | No | $29,750.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 664 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $29,750.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195065 | [Redact] | N/A | No | No | $22,500.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 723 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $22,500.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.56 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 118.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195066 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 2.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195067 | [Redact] | N/A | No | No | $7,198.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 726 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,198.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | [Redact] | [Redact] | 31.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195068 | [Redact] | N/A | No | No | $12,403.12 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 698 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $12,403.12 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195070 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 729 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $17,000.00 | 4.6 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redact] | [Redact] | 15.820% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195078 | [Redact] | N/A | No | No | $17,907.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 686 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $17,907.50 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 42.42 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195080 | [Redact] | N/A | No | No | $3,978.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 779 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $3,978.00 | [Redact] | $1,250.00 | 3.7 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redact] | [Redact] | 65.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 180 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195082 | [Redact] | N/A | No | No | $22,113.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $22,113.00 | [Redact] | $0.00 | 1.3 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 240 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.6 | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195085 | [Redact] | N/A | No | No | $12,285.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $12,285.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [Redact] | [Redact] | 39.340% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195089 | [Redact] | N/A | No | No | $27,750.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $27,750.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 42.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195092 | [Redact] | N/A | No | No | $6,345.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 693 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $6,345.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 288.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195094 | [Redact] | N/A | No | No | $24,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $24,000.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | [Redact] | [Redact] | 58.200% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195102 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Permanent Resident Alien | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 726 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $15,000.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | 240 | [Redact] | [Redact] | 31.090% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 9.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195103 | [Redact] | N/A | No | No | $7,644.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,644.00 | [Redact] | $0.00 | 1.2 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | No | 38.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195109 | [Redact] | N/A | No | No | $13,650.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $13,650.00 | [Redact] | $0.00 | 3.1 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 233.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194494 | [Redact] | Non QM | Yes | No | $75,365.00 | $28,286.36 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.698% | 43.698% | 43.698% | [Redact] | 787 | No | Yes | 12 | Personal | 100.000% | 18.990% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 18.99% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 18.99% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 18.99% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 18.99% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 18.99% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 18.99% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $75,365.00 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194550 | [Redact] | Non QM | Yes | No | $13,580.52 | $16,544.74 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 32.157% | 32.157% | 32.157% | [Redact] | 696 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $13,580.52 | [Redact] | $20,000.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [Redact] | [Redact] | 47.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194553 | [Redact] | Non QM | Yes | No | $9,397.00 | $4,646.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 38.970% | 38.970% | 38.970% | [Redact] | 796 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $9,397.00 | [Redact] | $20,000.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 10.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.42 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194577 | [Redact] | Non QM | Yes | No | $16,865.00 | $11,859.28 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 39.691% | 39.691% | 39.691% | 762 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $16,865.00 | [Redact] | $0.00 | 1.8 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 408.93 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194476 | [Redact] | Non QM | Yes | No | $22,670.12 | $10,148.12 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 26.965% | 26.965% | 26.965% | [Redact] | 795 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redact] | $22,670.12 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194486 | [Redact] | Non QM | Yes | No | $10,105.00 | $14,465.16 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 43.768% | 43.768% | 43.768% | [Redact] | 773 | No | Yes | 12 | Personal | 52.000% | 100.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,105.00 | [Redact] | $0.00 | None | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | 25.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.72 | Yes | No | [Redact] | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194480 | [Redact] | Non QM | Yes | No | $1,865.00 | $3,903.47 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.853% | 43.853% | 43.853% | [Redact] | 742 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $1,865.00 | [Redact] | $0.00 | 2.6 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194490 | [Redact] | Exempt from ATR | No | No | $113,869.00 | $21,716.08 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 46.713% | 42.349% | 47.452% | [Redact] | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $113,869.00 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | 240 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.62 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194526 | [Redact] | Non QM | Yes | No | $26,715.00 | $9,722.42 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 31.200% | 24.798% | 31.200% | [Redact] | 726 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $26,715.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [Redact] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194503 | [Redact] | Non QM | Yes | No | $10,101.80 | $12,285.04 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.242% | 49.242% | 49.242% | [Redact] | 777 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redact] | $10,101.80 | [Redact] | $17,500.00 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 36.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194564 | [Redact] | Non QM | Yes | No | $29,021.22 | $44,242.09 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 5.675% | 5.675% | 5.675% | [Redact] | 767 | 777 | 799 | 790 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | Borrower Prepared | [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $29,021.22 | [Redact] | $0.00 | 2.6 | None | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 | 12.00 | No | [Redact] | [Redact] | 42.160% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.91 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194588 | [Redact] | Exempt from ATR | No | No | $34,322.80 | $9,539.68 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 45.179% | 45.179% | 45.179% | [Redact] | 751 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $34,322.80 | [Redact] | $0.00 | None | N/A | No | [Redact] | 0 | 0 | 0 | 4 | 0 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | 2 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 584.03 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194556 | [Redact] | N/A | No | No | $15,500.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 746 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $15,500.00 | [Redact] | $0.00 | 1.3 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | No | 60.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194601 | [Redact] | N/A | No | No | $14,550.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 816 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $14,550.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redact] | [Redact] | 53.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 144.47 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194489 | [Redact] | N/A | No | No | $21,243.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 751 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $21,243.75 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195069 | [Redact] | Exempt from ATR | No | No | $42,685.00 | $17,788.33 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Not Employed | Not Employed | Employed | 0 | 4.49 | US Citizen | US Citizen | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 24.052% | 24.052% | 24.052% | [Redact] | 804 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $42,685.00 | [Redact] | $2,000.00 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [Redact] | [Redact] | 49.490% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.44 | No | No | $0.00 | [Redact] | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195101 | [Redact] | Non QM | Yes | No | $15,815.00 | $22,168.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.909% | 34.779% | 44.909% | [Redact] | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2016 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $15,815.00 | [Redact] | $0.00 | 4.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.49 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195112 | [Redact] | Non QM | Yes | No | $14,771.25 | $6,860.06 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 45.194% | 45.194% | 45.194% | [Redact] | 790 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2018 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redact] | $14,771.25 | [Redact] | $0.00 | 1.5 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redact] | [Redact] | 61.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 54.29 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194512 | [Redact] | Non QM | Yes | No | $32,309.71 | $38,037.39 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 30.910% | 30.910% | 30.910% | [Redact] | 767 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Employer Letter - 2023 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $32,309.71 | [Redact] | $160,000.00 | 5.0 | None | N/A | No | [Redact] | 2 | 1 | 0 | 4 | 1 | 0.00 | No | [Redact] | [Redact] | 70.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 80.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194536 | [Redact] | Non QM | Yes | No | $30,468.60 | $38,697.71 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 33.761% | 33.761% | 33.761% | [Redact] | 773 | No | Yes | 24 | Personal, Business | 57.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $30,468.60 | [Redact] | $0.00 | 2.6 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [Redact] | [Redact] | 49.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.9 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 180 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194576 | [Redact] | Non QM | Yes | No | $8,075.00 | $10,026.14 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Permanent Resident Alien | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 25.137% | 25.137% | 25.137% | [Redact] | 755 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $8,075.00 | [Redact] | $20,000.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 32.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 28.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194584 | [Redact] | Non QM | Yes | No | $42,865.00 | $12,025.22 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.201% | 44.201% | 44.201% | [Redact] | 704 | No | Yes | 36 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $42,865.00 | [Redact] | $0.00 | 1.2 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195081 | [Redact] | Non QM | Yes | No | $15,995.08 | $18,773.15 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.996% | 49.996% | 49.996% | [Redact] | 691 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $15,995.08 | [Redact] | $0.00 | None | N/A | No | [Redact] | 3 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.67 | No | No | $0.00 | [Redact] | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195054 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 715 | 809 | 832 | 812 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | 240 | [Redact] | [Redact] | 39.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | Fair Isaac (VER. 2) | FICO Classic V5 Facta | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195075 | [Redact] | N/A | No | No | $8,546.25 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $8,546.25 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | [Redact] | [Redact] | 54.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195086 | [Redact] | N/A | No | No | $25,480.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $25,480.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 57.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195120 | [Redact] | N/A | No | No | $14,500.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $14,500.00 | [Redact] | $15,000.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | [Redact] | [Redact] | 35.550% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.82 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194492 | [Redact] | Non QM | Yes | No | $10,445.00 | $12,210.92 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 22.978% | 22.978% | 22.978% | [Redact] | 780 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,445.00 | [Redact] | $0.00 | 1.3 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 27.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 4.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194514 | [Redact] | Non QM | Yes | No | $10,515.00 | $5,660.45 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.513% | 37.513% | 37.513% | [Redact] | 739 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $10,515.00 | [Redact] | $0.00 | 2.5 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 280.48 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194531 | [Redact] | Non QM | Yes | No | $11,824.81 | $16,587.81 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 45.652% | 45.652% | 45.652% | [Redact] | 747 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redact] | $11,824.81 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 3 | 2 | 0 | 3 | 2 | 12.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.03 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194530 | [Redact] | Non QM | Yes | No | $14,571.25 | $17,533.51 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.902% | 43.902% | 43.902% | [Redact] | 770 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $14,571.25 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 127.05 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194497 | [Redact] | Non QM | Yes | No | $16,236.40 | $8,942.23 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 26.671% | 26.671% | 26.671% | [Redact] | 753 | No | Yes | 12 | Personal | 100.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $16,236.40 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194549 | [Redact] | Non QM | Yes | No | $39,365.00 | $12,555.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 26.917% | 24.124% | 26.917% | [Redact] | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $39,365.00 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 360 | [Redact] | [Redact] | 43.790% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 39.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194541 | [Redact] | Non QM | Yes | No | $12,865.00 | $15,225.79 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 25.485% | 25.485% | 25.485% | [Redact] | 752 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redact] | $12,865.00 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 33.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 16.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194543 | [Redact] | Non QM | Yes | No | $16,515.00 | $6,266.89 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed | Permanent Resident Alien | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 26.133% | 26.133% | 26.133% | [Redact] | 763 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $16,515.00 | [Redact] | $0.00 | 2.5 | LP / LPA | Accept/Ineligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Passport | Yes | 124.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194573 | [Redact] | Exempt from ATR | No | No | $10,705.00 | $14,367.64 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 40.867% | 38.380% | 40.867% | [Redact] | 768 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $10,705.00 | [Redact] | $0.00 | 1.5 | None | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 360 | [Redact] | [Redact] | 27.050% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.24 | Yes | No | $0.00 | [Redact] | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194589 | [Redact] | Non QM | Yes | No | $15,581.96 | $7,538.71 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.640% | 42.640% | 42.640% | [Redact] | 792 | No | Yes | 12 | Personal | 44.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2001 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $15,581.96 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 59.200% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.48 | No | [Redact] | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194467 | [Redact] | N/A | No | No | $21,840.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $21,840.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 61.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194468 | [Redact] | Non QM | Yes | No | $41,890.00 | $13,623.90 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.877% | 49.877% | 49.877% | [Redact] | 740 | No | Yes | 12 | Business | 100.000% | 80.150% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.15% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.15% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.15% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.15% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.15% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $41,890.00 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194488 | [Redact] | Non QM | Yes | No | $15,070.00 | $4,291.05 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.034% | 43.034% | 43.034% | [Redact] | 717 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $15,070.00 | [Redact] | $0.00 | 1.6 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 58.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194510 | [Redact] | Non QM | Yes | No | $10,904.38 | $3,938.88 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 30.147% | 30.147% | 30.147% | [Redact] | 708 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,904.38 | [Redact] | $0.00 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194533 | [Redact] | Non QM | Yes | No | $15,863.00 | $19,719.61 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 3.710% | 3.710% | 3.710% | [Redact] | 689 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $15,863.00 | [Redact] | $5,000.00 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | 0.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194545 | [Redact] | Non QM | Yes | No | $18,365.00 | $22,611.56 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.309% | 30.962% | 37.309% | [Redact] | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $18,365.00 | [Redact] | $0.00 | 1.9 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | 240 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 107.74 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194552 | [Redact] | Exempt from ATR | No | No | $6,764.60 | $4,802.60 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 47.898% | 47.898% | 47.898% | [Redact] | 665 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $6,764.60 | [Redact] | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.54 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194562 | [Redact] | Exempt from ATR | No | No | $6,365.00 | $13,737.48 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.059% | 44.059% | 44.059% | [Redact] | 793 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $6,365.00 | [Redact] | $13,000.00 | 1.4 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 40.370% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.48 | No | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194566 | [Redact] | Exempt from ATR | No | No | $16,197.50 | $4,911.67 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 15.206% | 15.206% | 15.206% | [Redact] | 793 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; 1099 - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; 1099 - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; 1099 - 2025 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; 1099 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $16,197.50 | [Redact] | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.73 | No | No | [Redact] | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194572 | [Redact] | Non QM | Yes | No | $30,425.00 | $7,677.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 30.027% | 30.027% | 30.027% | [Redact] | 792 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $30,425.00 | [Redact] | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 22.190% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.61 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194596 | [Redact] | Non QM | Yes | No | $9,815.00 | $11,984.46 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 35.626% | 35.626% | 35.626% | [Redact] | 722 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $9,815.00 | [Redact] | $10,000.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 138.38 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194599 | [Redact] | N/A | No | No | $19,750.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 800 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $19,750.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 127.97 | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194565 | [Redact] | N/A | No | No | $6,825.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 703 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $6,825.00 | [Redact] | $9,750.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 67.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195104 | [Redact] | Non QM | Yes | No | $8,510.29 | $4,262.80 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 26.992% | 26.992% | 26.992% | [Redact] | 635 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $8,510.29 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 171.63 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195107 | [Redact] | Exempt from ATR | No | No | $22,565.00 | $4,170.91 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 38.688% | 38.688% | 38.688% | [Redact] | 772 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $22,565.00 | [Redact] | $88,589.76 | 1.0 | None | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | 23 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 381.28 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195110 | [Redact] | N/A | No | No | $11,750.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 653 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,750.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195121 | [Redact] | N/A | No | No | $15,969.37 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $15,969.37 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | 240 | [Redact] | [Redact] | 32.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194495 | [Redact] | Non QM | Yes | No | $14,865.00 | $7,272.40 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 38.511% | 38.511% | 38.511% | [Redact] | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $14,865.00 | [Redact] | $0.00 | 1.6 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194529 | [Redact] | Non QM | Yes | No | $25,833.30 | $10,440.90 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 41.042% | 41.042% | 41.042% | [Redact] | 744 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.05000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.05000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.05000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.05000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.05000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $25,833.30 | [Redact] | $0.00 | 2.4 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | Closed End | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194544 | [Redact] | Non QM | Yes | No | $32,590.00 | $42,794.25 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 48.239% | 48.239% | 48.239% | [Redact] | 805 | No | Yes | 36 | Business | 97.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $32,590.00 | [Redact] | $0.00 | 2.9 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.06 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194551 | [Redact] | Non QM | Yes | No | $14,705.00 | $27,694.67 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.717% | 43.717% | 43.717% | [Redact] | 788 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $14,705.00 | [Redact] | $201,440.00 | 2.6 | None | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 22.350% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.72 | No | $0.00 | [Redact] | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194567 | [Redact] | Non QM | Yes | No | $13,965.00 | $5,059.58 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.090% | 42.090% | 42.090% | [Redact] | 748 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 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 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $13,965.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | No | 26 | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.07 | No | $0.00 | [Redact] | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194594 | [Redact] | Non QM | Yes | No | $9,897.50 | $3,732.27 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Permanent Resident Alien | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.039% | 37.039% | 37.039% | [Redact] | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $9,897.50 | [Redact] | $5,060.16 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 7.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194517 | [Redact] | Non QM | Yes | No | $13,770.00 | $19,460.58 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.967% | 49.967% | 49.967% | [Redact] | 760 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $13,770.00 | [Redact] | $0.00 | 4.1 | None | N/A | No | [Redact] | 2 | 2 | 1 | 0 | 4 | 1 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.04 | No | No | $0.00 | [Redact] | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194532 | [Redact] | Non QM | Yes | No | $26,615.00 | $34,510.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 16.923% | 16.923% | 16.923% | [Redact] | 705 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $26,615.00 | [Redact] | $0.00 | 2.6 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 0.660% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 94.03 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194483 | [Redact] | Non QM | Yes | No | $11,940.16 | $10,291.38 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 47.685% | 47.685% | 47.685% | [Redact] | 676 | No | Yes | 24 | Personal, Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Personal - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $11,940.16 | [Redact] | $0.00 | 1.5 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 23.74 | No | No | [Redact] | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194508 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194535 | [Redact] | N/A | No | No | $10,500.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 778 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $10,500.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 119.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194542 | [Redact] | N/A | No | No | $6,723.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 754 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $6,723.00 | [Redact] | $0.00 | 1.4 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194554 | [Redact] | N/A | No | No | $10,250.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 778 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $10,250.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 118.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194586 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | 240 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194578 | [Redact] | Non QM | Yes | No | $6,221.00 | $8,842.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 14.892% | 14.892% | 14.892% | [Redact] | 753 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $6,221.00 | [Redact] | $3,171.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 61.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194579 | [Redact] | Exempt from ATR | No | No | $7,365.00 | $7,909.17 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 47.243% | 47.243% | 47.243% | [Redact] | 792 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $7,365.00 | [Redact] | $60,000.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 3.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.66 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 180 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194570 | [Redact] | Exempt from ATR | No | No | $7,363.40 | $9,904.79 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 24.837% | 24.837% | 24.837% | [Redact] | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $7,363.40 | [Redact] | $7,373.00 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 0.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194558 | [Redact] | Non QM | Yes | No | $16,490.00 | $29,074.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 40.302% | 37.420% | 40.302% | [Redact] | 808 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $16,490.00 | [Redact] | $0.00 | 3.8 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | 240 | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 615.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194473 | [Redact] | Non QM | Yes | No | $8,802.50 | $10,900.31 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 48.903% | 48.903% | 48.903% | [Redact] | 640 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2016 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2016 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $8,802.50 | [Redact] | $0.00 | 1.2 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.95 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194520 | [Redact] | Non QM | Yes | No | $9,495.00 | $11,176.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 33.151% | 33.151% | 33.151% | [Redact] | 646 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $9,495.00 | [Redact] | $0.00 | 1.4 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194515 | [Redact] | Non QM | Yes | No | $15,445.00 | $7,160.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.918% | 44.918% | 44.918% | [Redact] | 714 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $15,445.00 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194506 | [Redact] | Non QM | Yes | No | $16,865.00 | $8,456.68 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 38.923% | 38.923% | 38.923% | [Redact] | 793 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Alimony]; Divorce Decree - 2019 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $16,865.00 | [Redact] | $294,413.54 | 2.5 | DU | ApproveEligible | N/A | No | [Redact] | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 39.210% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 64.56 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194502 | [Redact] | Non QM | Yes | No | $10,240.00 | $4,081.14 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 12.271% | 12.271% | 12.271% | [Redact] | 776 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,240.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194547 | [Redact] | Non QM | Yes | No | $21,465.00 | $4,758.76 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 47.660% | 47.660% | 47.660% | [Redact] | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $21,465.00 | [Redact] | $6,000.00 | 2.7 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 243.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194591 | [Redact] | Non QM | Yes | No | $10,265.00 | $7,754.72 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.135% | 49.135% | 49.135% | [Redact] | 805 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $10,265.00 | [Redact] | $12,500.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 4 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | 42.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194602 | [Redact] | Non QM | Yes | No | $11,740.00 | $3,892.93 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 30.189% | 30.189% | 30.189% | [Redact] | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $11,740.00 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | 29.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194568 | [Redact] | Non QM | Yes | No | $10,942.55 | $7,155.80 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 17.875% | 17.875% | 17.875% | [Redact] | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $10,942.55 | [Redact] | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.98 | No | No | [Redact] | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194481 | [Redact] | N/A | No | No | $8,970.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $8,970.00 | [Redact] | $0.00 | 1.3 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 136.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 15 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195053 | [Redact] | Non QM | Yes | No | $16,865.00 | $10,794.42 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 47.176% | 47.176% | 47.176% | [Redact] | 760 | No | No | [Borrower - | Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $16,865.00 | [Redact] | $0.00 | 1.6 | None | N/A | No | [Redact] | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redact] | [Redact] | 46.690% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.09 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195095 | [Redact] | Non QM | Yes | No | $12,393.24 | $17,744.78 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 13.166% | 13.166% | 13.166% | [Redact] | 630 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2017 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redact] | $12,393.24 | [Redact] | $0.00 | 1.1 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | No | 50.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195061 | [Redact] | N/A | No | No | $8,236.20 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 749 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $8,236.20 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1387.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 480 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195063 | [Redact] | N/A | No | No | $4,866.12 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 747 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $4,866.12 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194522 | [Redact] | Non QM | Yes | No | $12,865.00 | $4,979.17 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 25.625% | 25.625% | 25.625% | [Redact] | 735 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $12,865.00 | [Redact] | $0.00 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 5.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.5 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194477 | [Redact] | Exempt from ATR | No | No | $18,626.25 | $4,580.58 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.402% | 38.054% | 44.402% | [Redact] | 805 | No | Yes | 12 | Business | 32.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $18,626.25 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.93 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194557 | [Redact] | Non QM | Yes | No | $9,365.00 | $4,333.06 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 24.374% | 24.374% | 24.374% | [Redact] | 762 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $9,365.00 | [Redact] | $0.00 | 1.2 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194583 | [Redact] | Non QM | Yes | No | $26,615.00 | $5,203.21 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 27.031% | 27.031% | 27.031% | [Redact] | 817 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $26,615.00 | [Redact] | $0.00 | 1.4 | DU | ApproveIneligible | N/A | No | [Redact] | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.62 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194587 | [Redact] | N/A | No | No | $7,800.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 788 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $7,800.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 115.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194555 | [Redact] | N/A | No | No | $7,998.48 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,998.48 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | 240 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195052 | [Redact] | N/A | No | No | $6,630.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 795 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $6,630.00 | [Redact] | $0.00 | 2.3 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194574 | [Redact] | Non QM | Yes | No | $6,785.00 | $8,048.94 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 48.794% | 48.794% | 48.794% | [Redact] | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $6,785.00 | [Redact] | $2,000.00 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 16.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194571 | [Redact] | Non QM | Yes | No | $6,412.50 | $7,253.83 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.270% | 37.270% | 37.270% | [Redact] | 748 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redact] | $6,412.50 | [Redact] | $0.00 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194593 | [Redact] | Non QM | Yes | No | $22,615.00 | $6,309.53 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 27.898% | 27.898% | 27.898% | [Redact] | 708 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redact] | $22,615.00 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194582 | [Redact] | N/A | No | No | $17,437.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $17,437.50 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redact] | [Redact] | 41.380% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194598 | [Redact] | Non QM | Yes | No | $10,680.00 | $12,821.98 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 27.064% | 20.978% | 27.064% | [Redact] | 794 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $10,680.00 | [Redact] | $0.00 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194563 | [Redact] | Non QM | Yes | No | $20,569.00 | $22,257.71 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 40.740% | 40.740% | 40.740% | [Redact] | 737 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $20,569.00 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.49 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194528 | [Redact] | Non QM | Yes | No | $19,252.50 | $5,350.24 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 33.041% | 33.041% | 33.041% | [Redact] | 811 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2006 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2006 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2006 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $19,252.50 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.52 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194548 | [Redact] | Exempt from ATR | No | No | $10,388.90 | $12,917.34 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 33.589% | 30.895% | 33.589% | [Redact] | 768 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2015 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,388.90 | [Redact] | $0.00 | 2.4 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | 240 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194569 | [Redact] | Non QM | Yes | No | $24,580.63 | $9,883.49 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Permanent Resident Alien | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 11.123% | 11.123% | 11.123% | [Redact] | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $24,580.63 | [Redact] | $0.00 | 1.5 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | 0.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 11.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194590 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 798 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | [Redact] | [Redact] | 33.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194505 | [Redact] | Exempt from ATR | No | No | $41,057.00 | $12,183.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 6.200% | 6.200% | 6.200% | [Redact] | 807 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $41,057.00 | [Redact] | $0.00 | None | N/A | No | [Redact] | 2 | 2 | 0 | 3 | 2 | 0.00 | No | [Redact] | [Redact] | 8.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.02 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194470 | [Redact] | Non QM | Yes | No | $14,010.00 | $11,142.17 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 39.398% | 39.398% | 39.398% | [Redact] | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $14,010.00 | [Redact] | $280,000.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 5.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.24 | No | No | [Redact] | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194539 | [Redact] | Exempt from ATR | No | No | $37,565.00 | $7,950.48 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 47.633% | 47.633% | 47.633% | [Redact] | 820 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $37,565.00 | [Redact] | $490,000.00 | 1.6 | None | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 19.930% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194597 | [Redact] | Non QM | Yes | No | $27,365.00 | $28,464.85 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 22.560% | 22.560% | 22.560% | [Redact] | 701 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $27,365.00 | [Redact] | $0.00 | 4.4 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194581 | [Redact] | Non QM | Yes | No | $17,615.00 | $18,233.65 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.786% | 42.786% | 42.786% | [Redact] | 737 | No | No | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2001 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $17,615.00 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 3 | 0 | 2 | 0 | 4 | 2 | 0.00 | No | [Redact] | [Redact] | No | 5 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.08 | No | No | [Redact] | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194560 | [Redact] | Non QM | Yes | No | $10,305.00 | $16,500.89 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 36.522% | 36.522% | 36.522% | [Redact] | 659 | No | Yes | 12 | Business | 57.000% | 100.000% | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,305.00 | [Redact] | $7,000.00 | DU | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 45.930% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.65 | No | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195056 | [Redact] | Non QM | Yes | No | $16,923.12 | $16,606.78 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 46.389% | 46.389% | 46.389% | [Redact] | 783 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2014 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2014 |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redact] | $16,923.12 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3 | No | No | [Redact] | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195117 | [Redact] | Non QM | Yes | No | $8,081.32 | $8,771.32 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Permanent Resident Alien | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 34.587% | 34.587% | 34.587% | [Redact] | 714 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $8,081.32 | [Redact] | $0.00 | 2.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 6.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10223020 | [Redact] | Non QM | Yes | No | $22,025.00 | $14,342.12 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 20.063% | 20.063% | 20.063% | [Redact] | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $22,025.00 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 1.040% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10223021 | [Redact] | Non QM | Yes | No | $11,104.97 | $13,768.21 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.425% | 37.425% | 37.425% | [Redact] | 700 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $11,104.97 | [Redact] | $1,000.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 23.470% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.44 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10223024 | [Redact] | Non QM | Yes | No | $11,865.00 | $17,452.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 38.356% | 38.356% | 38.356% | [Redact] | 769 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2013 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $11,865.00 | [Redact] | $20,000.00 | 1.3 | DU | ApproveEligible | N/A | No | [Redact] | 3 | 2 | 0 | 3 | 2 | 13.90 | No | [Redact] | [Redact] | 31.460% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.21 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10223023 | [Redact] | Exempt from ATR | No | No | $8,223.40 | $10,159.73 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 12.170% | 12.170% | 13.340% | [Redact] | 774 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $8,223.40 | [Redact] | $0.00 | 1.1 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 794.5 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10223022 | [Redact] | Non QM | Yes | No | $25,715.00 | $4,298.65 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 41.484% | 33.421% | 41.484% | [Redact] | 791 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2010 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redact] | $25,715.00 | [Redact] | $0.00 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | 240 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 60.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10223025 | [Redact] | Non QM | Yes | No | $12,368.00 | $8,145.58 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.193% | 37.193% | 37.193% | [Redact] | 798 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $12,368.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 2 | 0 | 0 | 4 | 0 | 0.00 | No | [Redact] | [Redact] | 21.040% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.45 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10223026 | [Redact] | Non QM | Yes | No | $14,841.25 | $20,014.92 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.518% | 49.518% | 49.518% | [Redact] | 752 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $14,841.25 | [Redact] | $0.00 | 3.1 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | 38.720% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.04 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10223019 | [Redact] | N/A | No | No | $8,362.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $8,362.50 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 158.72 | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10223018 | [Redact] | N/A | No | No | $10,225.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 665 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $10,225.00 | [Redact] | $0.00 | 1.9 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10223027 | [Redact] | N/A | No | No | $11,222.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 736 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,222.75 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | [Redact] | [Redact] | 39.380% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.07 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194592 | [Redact] | Non QM | Yes | No | $24,554.94 | $10,967.44 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.739% | 49.739% | 49.739% | [Redact] | 814 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $24,554.94 | [Redact] | $0.00 | 1.3 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194540 | [Redact] | Non QM | Yes | No | $22,934.69 | $10,250.40 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 48.345% | 48.345% | 48.345% | [Redact] | 709 | No | Yes | 12 | Business | 74.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $22,934.69 | [Redact] | $0.00 | 3.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194561 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 727 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 1.4 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | 240 | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 130.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10195055 | [Redact] | Non QM | Yes | No | $8,160.00 | $8,935.22 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.925% | 37.925% | 37.925% | [Redact] | 691 | No | Yes | 24 | Personal | 100.000% | 50.000% | 50.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Personal - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $8,160.00 | [Redact] | $0.00 | 2.8 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 3.63 | No | [Redact] | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256068 | [Redact] | Non QM | Yes | No | $14,175.00 | $15,686.64 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Permanent Resident Alien | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 32.599% | 32.599% | 32.599% | [Redact] | 763 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $14,175.00 | [Redact] | $0.00 | 1.8 | None | N/A | No | [Redact] | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 4.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256087 | [Redact] | Non QM | Yes | No | $5,115.05 | $3,488.34 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.511% | 44.511% | 44.511% | [Redact] | 705 | No | No | [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $5,115.05 | [Redact] | $0.00 | 2.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256040 | [Redact] | Non QM | Yes | No | $11,850.14 | $7,318.89 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 23.984% | 23.984% | 23.984% | [Redact] | 635 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redact] | $11,850.14 | [Redact] | $0.00 | 1.7 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.41 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256049 | [Redact] | Non QM | Yes | No | $12,921.00 | $13,462.92 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.148% | 39.272% | 49.148% | [Redact] | 760 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $12,921.00 | [Redact] | $0.00 | 2.2 | DU | ApproveEligible | N/A | No | [Redact] | 3 | 2 | 0 | 3 | 2 | 0.00 | No | 240 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.62 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256081 | [Redact] | Non QM | Yes | No | $11,240.00 | $20,608.77 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.303% | 37.303% | 37.303% | [Redact] | 780 | No | No | [Borrower - | Primary Income - K-1 (< 25%)]; VVOE - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $11,240.00 | [Redact] | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 | No | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 145.41 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256070 | [Redact] | Non QM | Yes | No | $11,771.25 | $13,532.37 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.906% | 39.447% | 42.906% | [Redact] | 680 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.04000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.04000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.04000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.04000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $11,771.25 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 360 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256077 | [Redact] | Non QM | Yes | No | $16,595.00 | $19,760.06 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 34.538% | 34.538% | 34.538% | [Redact] | 798 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redact] | $16,595.00 | [Redact] | $0.00 | 2.2 | None | N/A | No | [Redact] | 1 | 1 | 0 | 0 | 4 | 0 | No | [Redact] | [Redact] | 34.780% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.03 | No | No | $0.00 | [Redact] | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256079 | [Redact] | Non QM | Yes | No | $26,015.00 | $13,589.19 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 19.583% | 19.583% | 19.583% | [Redact] | 796 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $26,015.00 | [Redact] | $0.00 | 2.4 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 34.020% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256103 | [Redact] | Non QM | Yes | No | $15,070.00 | $8,332.21 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 2.843% | 2.843% | 2.843% | [Redact] | 711 | No | Yes | 12 | Business | 100.000% | 70.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $15,070.00 | [Redact] | $13,725.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | 0.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256119 | [Redact] | Non QM | Yes | No | $26,790.82 | $16,015.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.539% | 42.539% | 42.539% | [Redact] | 819 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $26,790.82 | [Redact] | $17,620.00 | 1.0 | None | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 68.310% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 63.36 | No | No | $0.00 | [Redact] | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256024 | [Redact] | N/A | No | No | $14,437.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 815 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $14,437.50 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 124.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256026 | [Redact] | N/A | No | No | $9,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 815 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $9,000.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.61 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 124.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256023 | [Redact] | N/A | No | No | $10,200.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 815 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $10,200.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 114.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256027 | [Redact] | N/A | No | No | $16,068.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 684 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $16,068.75 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256057 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 712 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 1.7 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256101 | [Redact] | N/A | No | No | $7,500.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,500.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.55 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 391.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256118 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $5,000.00 | 2.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [Redact] | [Redact] | 67.950% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256128 | [Redact] | N/A | No | No | $23,437.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 757 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $23,437.50 | [Redact] | $10,000.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redact] | [Redact] | 36.980% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256032 | [Redact] | N/A | No | No | $6,423.62 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 679 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $6,423.62 | [Redact] | $0.00 | 1.1 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256084 | [Redact] | N/A | No | No | $5,835.37 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 678 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $5,835.37 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 189.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256058 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 676 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 2.6 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.63 | 0.38 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | No | 125.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256062 | [Redact] | N/A | No | No | $9,800.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $9,800.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | [Redact] | [Redact] | 54.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256066 | [Redact] | N/A | No | No | $9,048.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Permanent Resident Alien | 1 | [Redact] | $0.00 | [Redact] | $0.00 | 0.000% | 0.000% | 0.000% | [Redact] | 768 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $9,048.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 118.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256109 | [Redact] | N/A | No | No | $24,801.35 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 813 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $24,801.35 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redact] | [Redact] | 99.230% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 138.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256083 | [Redact] | N/A | No | No | $9,740.25 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 741 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $9,740.25 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 140.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256075 | [Redact] | N/A | No | No | $70,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 677 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $70,000.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256076 | [Redact] | N/A | No | No | $13,387.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $13,387.50 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256097 | [Redact] | N/A | No | No | $15,500.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 811 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $15,500.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.72 | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 128.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256099 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.84 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 480 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256113 | [Redact] | N/A | No | No | $13,406.25 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 724 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $13,406.25 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | 360 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256114 | [Redact] | N/A | No | No | $4,991.25 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $4,991.25 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | [Redact] | [Redact] | 41.470% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256117 | [Redact] | N/A | No | No | $5,460.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 695 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $5,460.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 96.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256037 | [Redact] | N/A | No | No | $7,500.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,500.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.53 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 401.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256078 | [Redact] | N/A | No | No | $10,136.25 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 772 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $10,136.25 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | [Redact] | [Redact] | 1.450% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256116 | [Redact] | N/A | No | No | $11,310.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,310.00 | [Redact] | $0.00 | 1.9 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 136.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256124 | [Redact] | N/A | No | No | $11,552.34 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 791 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,552.34 | [Redact] | $14,500.00 | 1.3 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | [Redact] | [Redact] | 83.520% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 113.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263234 | [Redact] | Exempt from ATR | No | No | $110,925.00 | $40,939.28 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 41.808% | 41.808% | 41.808% | [Redact] | 807 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 73.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $110,925.00 | [Redact] | $0.00 | 2.7 | None | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 37.280% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.14 | No | No | [Redact] | [Redact] | No | No | No | No | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263313 | [Redact] | Non QM | Yes | No | $14,721.25 | $17,677.88 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 22.118% | 22.118% | 22.118% | [Redact] | 726 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $14,721.25 | [Redact] | $16,500.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 32.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 25.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263250 | [Redact] | Non QM | Yes | No | $7,814.09 | $8,081.79 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 41.021% | 41.021% | 41.021% | [Redact] | 731 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2019 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redact] | $7,814.09 | [Redact] | $10,000.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 65.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 66.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263237 | [Redact] | ATR Risk | Yes | No | $19,338.06 | $8,890.95 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 751 | No | No | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redact] | $19,338.06 | [Redact] | $15,000.00 | 2.2 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 191.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263299 | [Redact] | Non QM | Yes | No | $8,825.00 | $13,893.68 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 45.379% | 41.388% | 45.379% | [Redact] | 697 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $8,825.00 | [Redact] | $3,500.00 | 1.0 | None | N/A | No | [Redact] | 1 | 0 | 0 | 3 | 0 | No | 360 | [Redact] | [Redact] | 25.210% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.13 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263239 | [Redact] | Non QM | Yes | No | $7,855.00 | $10,080.40 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 39.829% | 39.829% | 39.829% | [Redact] | 675 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redact] | $7,855.00 | [Redact] | $4,000.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | No | [Redact] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.95 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263306 | [Redact] | Non QM | Yes | No | $9,374.38 | $5,052.17 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.213% | 42.213% | 42.213% | [Redact] | 660 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $9,374.38 | [Redact] | $2,951.20 | 2.6 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 55.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.22 | No | [Redact] | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263255 | [Redact] | Non QM | Yes | No | $14,520.00 | $21,130.05 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.927% | 44.927% | 44.927% | [Redact] | 709 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Child Support]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Child Support]; Divorce Decree - 2024 [Coborrower(s) - | Non-Primary Income - Child Support]; Child Support Order - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $14,520.00 | [Redact] | $24,098.00 | 3.4 | DU | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 4 | 0 | 0.00 | No | [Redact] | [Redact] | 26.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.95 | Yes | No | [Redact] | [Redact] | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263271 | [Redact] | Non QM | Yes | No | $8,277.50 | $10,798.44 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 39.458% | 39.458% | 39.458% | [Redact] | 720 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $8,277.50 | [Redact] | $18,324.65 | 4.7 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 14.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.6 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263240 | [Redact] | N/A | No | No | $7,077.08 | $11,398.91 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,077.08 | [Redact] | $0.00 | 1.8 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redact] | [Redact] | 8.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 265.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263236 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 735 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 240 | [Redact] | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263247 | [Redact] | N/A | No | No | $11,475.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,475.00 | [Redact] | $30,000.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [Redact] | [Redact] | 29.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263295 | [Redact] | N/A | No | No | $11,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 745 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $11,000.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [Redact] | [Redact] | 33.270% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263276 | [Redact] | N/A | No | No | $7,401.00 | $9,555.08 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 747 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,401.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263264 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | [Redact] | [Redact] | 29.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263325 | [Redact] | N/A | No | No | $7,927.87 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 691 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,927.87 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | [Redact] | [Redact] | 37.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263238 | [Redact] | N/A | No | No | $73,100.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 696 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $73,100.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263233 | [Redact] | N/A | No | No | $15,080.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $15,080.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individual | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.77 | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263253 | [Redact] | N/A | No | No | $10,770.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 658 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $10,770.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263285 | [Redact] | N/A | No | No | $15,892.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 720 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $15,892.00 | [Redact] | $20,550.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | [Redact] | [Redact] | 34.700% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263321 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | [Redact] | [Redact] | 7.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263257 | [Redact] | N/A | No | No | $4,867.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $4,867.50 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 360 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256020 | [Redact] | N/A | No | No | $35,062.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 727 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $35,062.50 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 75.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263252 | [Redact] | Non QM | Yes | No | $7,321.58 | $9,054.37 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 38.207% | 38.207% | 38.207% | [Redact] | 664 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $7,321.58 | [Redact] | $10,000.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 3.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263284 | [Redact] | Non QM | Yes | No | $6,455.00 | $7,809.19 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 32.517% | 32.517% | 32.517% | [Redact] | 742 | No | Yes | 12 | Business | 100.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $6,455.00 | [Redact] | $0.00 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 21.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263242 | [Redact] | Non QM | Yes | No | $14,765.00 | $6,099.96 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.050% | 44.050% | 44.050% | [Redact] | 703 | No | Yes | 24 | Business | 36.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redact] | $14,765.00 | [Redact] | $0.00 | 2.1 | None | N/A | No | [Redact] | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redact] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263243 | [Redact] | Non QM | Yes | No | $2,770.00 | $5,283.71 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 25.050% | 25.050% | 25.050% | [Redact] | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $2,770.00 | [Redact] | $1,000.00 | 1.0 | None | N/A | No | [Redact] | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 461.59 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263326 | [Redact] | Non QM | Yes | No | $8,052.50 | $11,084.85 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 39.278% | 39.278% | 39.278% | [Redact] | 746 | Yes | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $8,052.50 | [Redact] | $12,224.00 | 2.3 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.22 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263331 | [Redact] | Exempt from ATR | No | No | $12,385.01 | $14,833.51 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | Permanent Resident Alien | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 26.150% | 26.150% | 26.150% | [Redact] | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $12,385.01 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 3.230% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 10.5 | Yes | No | [Redact] | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263248 | [Redact] | N/A | No | No | $4,644.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 696 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $4,644.00 | [Redact] | $0.00 | 1.4 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 110.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263246 | [Redact] | N/A | No | No | $20,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 693 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $20,000.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.27 | 0.44 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 92.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263235 | [Redact] | N/A | No | No | $11,550.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 785 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $11,550.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.61 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263241 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 726 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | [Redact] | $0.00 | 3.7 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 120.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263315 | [Redact] | N/A | No | No | $12,187.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 721 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $12,187.50 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 99.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263309 | [Redact] | N/A | No | No | $5,530.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 661 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $5,530.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | 240 | [Redact] | [Redact] | 56.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.95 | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263330 | [Redact] | N/A | No | No | $8,040.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 698 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $8,040.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263251 | [Redact] | N/A | No | No | $16,500.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 757 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $16,500.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263265 | [Redact] | N/A | No | No | $14,812.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 820 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $14,812.50 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.1 | 0.48 | [Redact] | [Redact] | 23.620% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263290 | [Redact] | N/A | No | No | $27,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 700 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $27,000.00 | [Redact] | $0.00 | 3.1 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263312 | [Redact] | Non QM | Yes | No | $7,387.25 | $13,425.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | [Redact] | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 38.421% | 30.772% | 38.421% | [Redact] | 756 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $7,387.25 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 1 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [Redact] | [Redact] | 34.540% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 7.96 | No | $0.00 | [Redact] | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263370 | [Redact] | Non QM | Yes | No | $2,978.84 | $3,980.18 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.538% | 42.538% | 42.538% | [Redact] | 694 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redact] | $2,978.84 | [Redact] | $0.00 | 2.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.46 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263316 | [Redact] | Non QM | Yes | No | $8,952.50 | $10,509.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.958% | 44.958% | 44.958% | [Redact] | 713 | No | No | [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redact] | $8,952.50 | [Redact] | $0.00 | 1.8 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.38 | No | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263263 | [Redact] | Non QM | Yes | No | $11,615.00 | $8,113.40 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.369% | 49.369% | 49.369% | [Redact] | 787 | No | No | Borrower Prepared | [Borrower - | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $11,615.00 | [Redact] | $5,000.00 | 1.1 | None | N/A | No | [Redact] | 0 | 1 | 0 | 3 | 1 | 15.00 | No | [Redact] | [Redact] | 34.530% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.28 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 480 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263282 | [Redact] | N/A | No | No | $4,185.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $4,185.00 | [Redact] | $0.00 | 1.3 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263268 | [Redact] | N/A | No | No | $15,324.37 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $15,324.37 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | 360 | [Redact] | [Redact] | 18.540% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 63.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263232 | [Redact] | N/A | No | No | $14,953.12 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 770 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $14,953.12 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | [Redact] | [Redact] | 40.630% | No | Yes | Preliminary | Fee Simple | LP | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263352 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 718 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263307 | [Redact] | N/A | No | No | $7,959.60 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,959.60 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | [Redact] | 1.020% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 408.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194478 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Permanent Resident Alien | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 783 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 81.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256105 | [Redact] | Non QM | Yes | No | $27,861.00 | $16,917.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 45.721% | 45.721% | 45.721% | [Redact] | 714 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $27,861.00 | [Redact] | $0.00 | 2.6 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 60.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256112 | [Redact] | Non QM | Yes | No | $55,850.00 | $25,448.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.810% | 37.810% | 37.810% | [Redact] | 776 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $55,850.00 | [Redact] | $150,000.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | [Redact] | [Redact] | 57.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.35 | No | No | [Redact] | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256053 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 1.6 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | [Redact] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263277 | [Redact] | N/A | No | No | $7,552.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,552.50 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | 240 | [Redact] | [Redact] | 43.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263245 | [Redact] | Non QM | Yes | No | $18,014.45 | $21,087.14 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 27.858% | 27.858% | 27.858% | [Redact] | 696 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2007 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2007 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2007 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2007 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2007 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2007 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2007 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2007 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2007 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $18,014.45 | [Redact] | $0.00 | 1.1 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 41.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.07 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263293 | [Redact] | Non QM | Yes | No | $5,275.63 | $7,199.93 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 38.954% | 38.954% | 38.954% | 796 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $5,275.63 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.06 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263267 | [Redact] | Non QM | Yes | No | $13,565.00 | $15,484.25 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.780% | 42.780% | 42.780% | [Redact] | 763 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Other]; Paystubs - 2026 [Borrower - | Non-Primary Income - Other]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $13,565.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 1 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 480 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263301 | [Redact] | Non QM | Yes | No | $30,727.00 | $19,098.56 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.529% | 45.550% | 49.529% | [Redact] | 791 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $30,727.00 | [Redact] | $0.00 | 2.5 | None | N/A | No | [Redact] | 1 | 1 | 0 | 4 | 1 | 12.00 | No | 360 | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 69.54 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263244 | [Redact] | Non QM | Yes | No | $10,861.10 | $5,135.37 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 34.294% | 34.294% | 34.294% | [Redact] | 810 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $10,861.10 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 653 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263320 | [Redact] | Non QM | Yes | No | $8,333.75 | $4,100.45 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 36.868% | 36.868% | 36.868% | [Redact] | 801 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $8,333.75 | [Redact] | $18,951.00 | 2.0 | None | N/A | No | [Redact] | 1 | 2 | 0 | 0 | 4 | 0 | 0.00 | No | [Redact] | [Redact] | 36.460% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.06 | No | No | $0.00 | [Redact] | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263373 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | [Redact] | [Redact] | 44.860% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263359 | [Redact] | N/A | No | No | $28,280.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $28,280.00 | [Redact] | $0.00 | 1.3 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263372 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.76 | 0.57 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263308 | [Redact] | N/A | No | No | $36,562.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $36,562.50 | [Redact] | $0.00 | 1.4 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 332.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263254 | [Redact] | N/A | No | No | $21,412.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $21,412.50 | [Redact] | $4,500.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | [Redact] | [Redact] | 37.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263332 | [Redact] | N/A | No | No | $12,150.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $12,150.00 | [Redact] | $9,146.98 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | [Redact] | [Redact] | 57.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 57.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263358 | [Redact] | N/A | No | No | $9,153.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 773 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $9,153.00 | [Redact] | $10,000.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [Redact] | [Redact] | 59.410% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263363 | [Redact] | N/A | No | No | $5,001.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 683 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $5,001.75 | [Redact] | $0.00 | 3.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10194575 | [Redact] | Non QM | Yes | No | $10,709.00 | $37,764.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.912% | 43.912% | 43.912% | [Redact] | 753 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,709.00 | [Redact] | $0.00 | LP / LPA | Accept/Ineligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.61 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10256046 | [Redact] | Non QM | Yes | No | $8,424.92 | $5,870.67 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 25.116% | 25.116% | 25.116% | [Redact] | 769 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redact] | $8,424.92 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [Redact] | [Redact] | 44.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263371 | [Redact] | Non QM | Yes | No | $8,690.00 | $11,344.47 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 48.837% | 48.837% | 48.837% | [Redact] | 670 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2017 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | 0 | [Redact] | $8,690.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263365 | [Redact] | N/A | No | No | $22,750.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $22,750.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263344 | [Redact] | Exempt from ATR | No | No | $45,675.06 | $61,538.40 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 15.199% | 15.199% | 15.199% | [Redact] | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Audited P&L - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $45,675.06 | [Redact] | $0.00 | 999.0 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 11.530% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.64 | No | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263374 | [Redact] | N/A | No | No | $15,750.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 669 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $15,750.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298029 | [Redact] | Non QM | Yes | No | $23,285.00 | $14,165.68 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.090% | 44.090% | 44.090% | [Redact] | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 32.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 32.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 32.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 32.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 32.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 32.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $23,285.00 | [Redact] | $15,500.00 | 3.3 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | 1.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.91 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298013 | [Redact] | Non QM | Yes | No | $9,470.00 | $13,218.13 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 20.310% | 20.310% | 20.310% | [Redact] | 700 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redact] | $9,470.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 53.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298014 | [Redact] | Non QM | Yes | No | $21,865.00 | $6,384.63 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 17.483% | 17.483% | 17.483% | [Redact] | 806 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $21,865.00 | [Redact] | $0.00 | 1.3 | DU | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 295.23 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298020 | [Redact] | Exempt from ATR | No | No | $19,305.00 | $12,708.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 32.519% | 32.519% | 32.519% | [Redact] | 819 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $19,305.00 | [Redact] | $13,000.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 169.59 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298033 | [Redact] | Exempt from ATR | No | No | $18,869.00 | $12,371.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 32.519% | 32.519% | 32.519% | [Redact] | 819 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $18,869.00 | [Redact] | $13,000.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.96 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298005 | [Redact] | Exempt from ATR | No | No | $18,869.00 | $12,386.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 32.519% | 32.519% | 32.519% | [Redact] | 819 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $18,869.00 | [Redact] | $13,000.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 179.86 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298042 | [Redact] | Non QM | Yes | No | $4,279.59 | $5,675.64 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 33.727% | 33.727% | 33.727% | [Redact] | 738 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $4,279.59 | [Redact] | $0.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | [Redact] | 2 | 0 | 0 | 4 | 0 | 0.00 | No | [Redact] | [Redact] | 7.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298031 | [Redact] | Exempt from ATR | No | No | $22,385.00 | $14,176.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 19.661% | 19.661% | 19.661% | [Redact] | 701 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redact] | $22,385.00 | [Redact] | $0.00 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [Redact] | [Redact] | 1.110% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 53.92 | No | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298021 | [Redact] | Non QM | Yes | No | $10,828.75 | $11,365.10 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 11.233% | 11.233% | 11.233% | [Redact] | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,828.75 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298023 | [Redact] | Non QM | Yes | No | $23,597.20 | $13,006.13 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 45.042% | 45.042% | 45.042% | [Redact] | 752 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 1997 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 1997 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $23,597.20 | [Redact] | $0.00 | 2.5 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [Redact] | [Redact] | 0.540% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297993 | [Redact] | Non QM | Yes | No | $11,450.00 | $9,893.30 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 41.989% | 41.989% | 41.989% | [Redact] | 746 | No | No | [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $11,450.00 | [Redact] | $5,000.00 | 1.6 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 4 | 0 | No | [Redact] | [Redact] | 13.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.11 | No | $0.00 | [Redact] | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297998 | [Redact] | Non QM | Yes | No | $21,620.12 | $7,110.91 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 39.654% | 39.654% | 39.654% | [Redact] | 769 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $21,620.12 | [Redact] | $0.00 | 2.5 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 15.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.73 | Yes | No | [Redact] | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298025 | [Redact] | Exempt from ATR | No | No | $51,279.40 | $7,979.57 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 34.379% | 31.981% | 34.379% | [Redact] | 776 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $51,279.40 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 360 | [Redact] | [Redact] | 68.770% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 66.87 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298022 | [Redact] | N/A | No | No | $24,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 703 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $24,000.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 64.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298024 | [Redact] | N/A | No | No | $19,110.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $19,110.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | 240 | [Redact] | [Redact] | 34.900% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298026 | [Redact] | N/A | No | No | $30,793.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $30,793.00 | [Redact] | $0.00 | 2.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | 240 | [Redact] | [Redact] | 47.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 5 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298010 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 801 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | [Redact] | $0.00 | 1.9 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | 240 | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298007 | [Redact] | N/A | No | No | $14,512.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $14,512.50 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.54 | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298041 | [Redact] | N/A | No | No | $10,762.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $10,762.50 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298006 | [Redact] | N/A | No | No | $47,381.25 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 766 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $47,381.25 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | 240 | [Redact] | [Redact] | 39.150% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298077 | [Redact] | N/A | No | No | $8,250.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 693 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $8,250.00 | [Redact] | $0.00 | 1.1 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298018 | [Redact] | N/A | No | No | $22,470.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $22,470.00 | [Redact] | $0.00 | 2.4 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redact] | [Redact] | 73.310% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 99.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298027 | [Redact] | N/A | No | No | $24,970.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 796 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $24,970.00 | [Redact] | $42,696.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [Redact] | [Redact] | 49.280% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298032 | [Redact] | N/A | No | No | $11,375.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Permanent Resident Alien | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,375.00 | [Redact] | $3,000.00 | 1.3 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | [Redact] | [Redact] | 46.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298030 | [Redact] | N/A | No | No | $13,687.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 717 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $13,687.50 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 123.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297999 | [Redact] | N/A | No | No | $40,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 741 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $40,000.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.66 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 27.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298012 | [Redact] | N/A | No | No | $10,070.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Permanent Resident Alien | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $10,070.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redact] | [Redact] | 41.620% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298019 | [Redact] | Non QM | Yes | No | $33,149.00 | $40,944.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 14.749% | 14.749% | 14.749% | [Redact] | 818 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $33,149.00 | [Redact] | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297971 | [Redact] | N/A | No | No | $22,550.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 800 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $22,550.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298036 | [Redact] | N/A | No | No | $30,750.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $30,750.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 67.91 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297983 | [Redact] | N/A | No | No | $39,262.40 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 733 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $39,262.40 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 64.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263369 | [Redact] | N/A | No | No | $21,090.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 782 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $21,090.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298008 | [Redact] | N/A | No | No | $7,616.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,616.00 | [Redact] | $2,000.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redact] | [Redact] | 32.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298015 | [Redact] | Non QM | Yes | No | $15,070.00 | $23,300.40 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.020% | 44.020% | 44.020% | [Redact] | 681 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $15,070.00 | [Redact] | $0.00 | 4.5 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.06 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298078 | [Redact] | Non QM | Yes | No | $18,740.00 | $24,892.21 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 41.612% | 41.612% | 41.612% | [Redact] | 758 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 24.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $18,740.00 | [Redact] | $218,750.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | 73.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 117.55 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298017 | [Redact] | Non QM | Yes | No | $30,383.75 | $41,607.60 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 39.468% | 39.468% | 39.468% | [Redact] | 774 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $30,383.75 | [Redact] | $404,500.00 | 1.5 | None | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 6.320% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.92 | Yes | No | $0.00 | [Redact] | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263367 | [Redact] | N/A | No | No | $11,200.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 683 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,200.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 80.94 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263366 | [Redact] | N/A | No | No | $26,150.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $26,150.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298035 | [Redact] | N/A | No | No | $11,475.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,475.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 128.48 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298037 | [Redact] | N/A | No | No | $11,450.25 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 699 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,450.25 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297991 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 742 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | [Redact] | $0.00 | 1.9 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 360 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297980 | [Redact] | N/A | No | No | $27,065.00 | $16,372.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $27,065.00 | [Redact] | $42,426.67 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 240 | [Redact] | [Redact] | 23.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297995 | [Redact] | N/A | No | No | $14,250.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 783 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $14,250.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.64 | 240 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 144.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297996 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 755 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | [Redact] | $0.00 | 2.5 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | 240 | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 178.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298045 | [Redact] | N/A | No | No | $18,365.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $18,365.00 | [Redact] | $0.00 | 3.2 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | [Redact] | 33.360% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V8 Facta | FICO Risk Score Classic 04 | 19.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298011 | [Redact] | Non QM | Yes | No | $11,240.00 | $6,717.03 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 30.911% | 28.649% | 30.911% | [Redact] | 806 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $11,240.00 | [Redact] | $0.00 | None | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 647.67 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297974 | [Redact] | N/A | No | No | $12,350.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 723 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $12,350.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297973 | [Redact] | N/A | No | No | $8,490.62 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 723 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $8,490.62 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | 240 | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 68.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317819 | [Redact] | Non QM | Yes | No | $29,865.00 | $11,104.72 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 46.676% | 46.676% | 46.676% | [Redact] | 785 | No | Yes | 12 | Business | 31.000% | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $29,865.00 | [Redact] | $25,000.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 12 | No | [Redact] | [Redact] | 16.620% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.89 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317821 | [Redact] | Non QM | Yes | No | $9,106.19 | $10,888.66 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.909% | 42.909% | 42.909% | [Redact] | 771 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $9,106.19 | [Redact] | $1,500.00 | 1.1 | None | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 37.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317892 | [Redact] | Exempt from ATR | No | No | $9,176.15 | $5,364.22 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 45.700% | 45.700% | 45.700% | [Redact] | 774 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $9,176.15 | [Redact] | $0.00 | 2.6 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 152.75 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317893 | [Redact] | Non QM | Yes | No | $38,490.92 | $42,134.70 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 26.897% | 26.897% | 26.897% | [Redact] | 682 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $38,490.92 | [Redact] | $3,750.00 | 1.4 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 37.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317897 | [Redact] | Non QM | Yes | No | $27,577.50 | $31,775.47 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.594% | 44.594% | 44.594% | [Redact] | 799 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $27,577.50 | [Redact] | $0.00 | 1.2 | None | N/A | No | [Redact] | 0 | 2 | 1 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 34.830% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.58 | Yes | No | $0.00 | [Redact] | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317898 | [Redact] | Non QM | Yes | No | $8,391.00 | $11,012.81 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | Not Employed | 0 | US Citizen | Permanent Resident Alien | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 48.312% | 48.312% | 48.312% | [Redact] | 803 | 799 | 812 | 788 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $8,391.00 | [Redact] | $60,000.00 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | [Redact] | [Redact] | 37.200% | No | 4 | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 10.51 | No | $0.00 | [Redact] | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317900 | [Redact] | Non QM | Yes | No | $8,683.51 | $13,916.61 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.555% | 49.555% | 49.555% | [Redact] | 675 | No | Yes | 12 | Business | 56.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $8,683.51 | [Redact] | $6,500.00 | 1.2 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 35.670% | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.43 | Yes | No | $0.00 | [Redact] | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317906 | [Redact] | Exempt from ATR | No | No | $8,230.00 | $11,274.33 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 25.157% | 25.157% | 25.157% | [Redact] | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $8,230.00 | [Redact] | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 2.940% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.48 | No | No | [Redact] | $0.00 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317907 | [Redact] | Non QM | Yes | No | $10,615.00 | $16,512.49 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 25.853% | 25.853% | 25.853% | [Redact] | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,615.00 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 23.640% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317914 | [Redact] | Non QM | Yes | No | $12,656.28 | $7,102.17 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 28.981% | 28.981% | 28.981% | 813 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $12,656.28 | [Redact] | $10,000.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | 26.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.03 | Yes | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317915 | [Redact] | Non QM | Yes | No | $11,865.00 | $17,166.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 32.810% | 32.810% | 32.810% | [Redact] | 801 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $11,865.00 | [Redact] | $11,000.00 | 1.0 | None | N/A | No | [Redact] | 2 | 2 | 0 | 3 | 2 | 3.97 | No | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 178.5 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317921 | [Redact] | Non QM | Yes | No | $9,440.00 | $10,562.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 10.977% | 10.977% | 10.977% | [Redact] | 792 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $9,440.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317927 | [Redact] | Non QM | Yes | No | $20,760.00 | $4,747.56 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 41.964% | 41.964% | 41.964% | [Redact] | 771 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $20,760.00 | [Redact] | $225,000.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 17.920% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.12 | Yes | No | $0.00 | [Redact] | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317810 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $6,000.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | [Redact] | [Redact] | 29.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.29 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317811 | [Redact] | N/A | No | No | $19,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 737 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $19,000.00 | [Redact] | $0.00 | 2.2 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 197.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317812 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317814 | [Redact] | N/A | No | No | $13,560.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $13,560.00 | [Redact] | $0.00 | 3.6 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | [Redact] | 14.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 104.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317824 | [Redact] | N/A | No | No | $12,829.68 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 773 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $12,829.68 | [Redact] | $500.00 | 1.5 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 417.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317885 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | 0 | US Citizen | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 732 | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 63.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317890 | [Redact] | N/A | No | No | $12,250.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 697 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $12,250.00 | [Redact] | $0.00 | 2.3 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317895 | [Redact] | N/A | No | No | $27,050.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 753 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $27,050.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | [Redact] | 70.480% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317896 | [Redact] | N/A | No | No | $10,025.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $10,025.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 164.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317902 | [Redact] | N/A | No | No | $7,630.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $7,630.00 | [Redact] | $0.00 | 1.6 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 92.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317903 | [Redact] | N/A | No | No | $12,721.87 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 661 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $12,721.87 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redact] | [Redact] | 94.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 95.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317904 | [Redact] | N/A | No | No | $11,907.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 661 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,907.50 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 113.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317905 | [Redact] | N/A | No | No | $13,414.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $13,414.50 | [Redact] | $0.00 | 1.4 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.95 | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317924 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $14,459.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redact] | [Redact] | 74.060% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 72.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317928 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 730 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $3,000.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 251.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297988 | [Redact] | Non QM | Yes | No | $4,433.65 | $5,439.07 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.149% | 43.149% | 43.149% | [Redact] | 647 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2014 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $4,433.65 | [Redact] | $0.00 | 2.6 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263348 | [Redact] | N/A | No | No | $9,975.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 661 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $9,975.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | 240 | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317886 | [Redact] | Non QM | Yes | No | $8,115.00 | $11,971.04 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 12.762% | 12.762% | 12.762% | [Redact] | 791 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $8,115.00 | [Redact] | $0.00 | 4.3 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 60.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.56 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317899 | [Redact] | Non QM | Yes | No | $18,802.00 | $21,788.38 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.092% | 44.092% | 44.092% | [Redact] | 760 | No | Yes | 12 | Personal | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $18,802.00 | [Redact] | $0.00 | 1.9 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 105.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317911 | [Redact] | Non QM | Yes | No | $22,088.68 | $3,566.52 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 11.839% | 11.839% | 11.839% | [Redact] | 796 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redact] | $22,088.68 | [Redact] | $0.00 | 2.9 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317912 | [Redact] | Non QM | Yes | No | $14,440.00 | $19,877.42 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 17.118% | 17.118% | 17.118% | [Redact] | 812 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $14,440.00 | [Redact] | $0.00 | 1.9 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 23.740% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317913 | [Redact] | Non QM | Yes | No | $15,357.97 | $5,207.99 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 41.371% | 41.371% | 41.371% | [Redact] | 770 | No | Yes | 12 | Business | 54.000% | 100.000% | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $15,357.97 | [Redact] | $284,000.00 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | 0.000% | No | 4 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.11 | No | [Redact] | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317923 | [Redact] | Non QM | Yes | No | $9,475.00 | $6,295.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 17.403% | 17.403% | 17.403% | [Redact] | 759 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $9,475.00 | [Redact] | $6,500.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 85.150% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 94.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317925 | [Redact] | Non QM | Yes | No | $14,915.00 | $16,617.07 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.999% | 44.999% | 44.999% | [Redact] | 724 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $14,915.00 | [Redact] | $20,000.00 | DU | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 31.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.51 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317926 | [Redact] | Non QM | Yes | No | $5,085.00 | $5,445.69 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.702% | 37.702% | 37.702% | [Redact] | 720 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $5,085.00 | [Redact] | $0.00 | 1.4 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317889 | [Redact] | N/A | No | No | $62,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $62,000.00 | [Redact] | $0.00 | 2.1 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 360 | [Redact] | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317820 | [Redact] | Non QM | Yes | No | $7,965.00 | $9,417.59 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 29.112% | 29.112% | 29.112% | [Redact] | 712 | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $7,965.00 | [Redact] | $0.00 | 1.8 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 3.35 | No | [Redact] | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317894 | [Redact] | Non QM | Yes | No | $17,140.00 | $17,974.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.111% | 42.111% | 42.111% | [Redact] | 754 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $17,140.00 | [Redact] | $0.00 | 2.4 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.98 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317901 | [Redact] | Non QM | Yes | No | $43,235.00 | $17,202.78 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 19.793% | 19.793% | 19.793% | [Redact] | 780 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $43,235.00 | [Redact] | $170,000.00 | 2.7 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 0.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317813 | [Redact] | N/A | No | No | $8,047.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $8,047.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 132.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317887 | [Redact] | Non QM | Yes | No | $9,295.00 | $10,133.57 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 16.441% | 16.441% | 16.441% | [Redact] | 787 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $9,295.00 | [Redact] | $0.00 | 3.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 73.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317919 | [Redact] | Non QM | Yes | No | $4,040.00 | $2,821.65 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.545% | 43.545% | 43.545% | [Redact] | 790 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $4,040.00 | [Redact] | $0.00 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.26 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317922 | [Redact] | Non QM | Yes | No | $17,140.00 | $18,178.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.381% | 44.381% | 44.381% | [Redact] | 666 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $17,140.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317908 | [Redact] | Non QM | Yes | No | $7,206.86 | $11,091.17 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 31.732% | 31.732% | 31.732% | [Redact] | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $7,206.86 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 6.060% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | Employment Authorization | 4.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317909 | [Redact] | Non QM | Yes | No | $14,437.16 | $6,611.16 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.678% | 44.678% | 44.678% | [Redact] | 734 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.97000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.97000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.97000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.97000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.97000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.97000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.97000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.97000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $14,437.16 | [Redact] | $0.00 | 1.2 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [Redact] | [Redact] | 43.490% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317916 | [Redact] | Non QM | Yes | No | $17,871.88 | $11,107.55 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.931% | 49.931% | 49.931% | [Redact] | 779 | No | No | [Borrower - | Primary Income - Pension]; Other - 2026 [Borrower - | Primary Income - Pension]; Other - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $17,871.88 | [Redact] | $0.00 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [Redact] | [Redact] | 37.730% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.78 | Yes | No | [Redact] | $0.00 | No | No | No | No | 4 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317920 | [Redact] | Non QM | Yes | No | $13,425.00 | $17,163.17 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 38.730% | 38.730% | 38.730% | [Redact] | 777 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $13,425.00 | [Redact] | $1,800.00 | 1.7 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 27.970% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.23 | No | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297997 | [Redact] | N/A | No | No | $17,500.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 799 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $17,500.00 | [Redact] | $10,000.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [Redact] | [Redact] | 96.580% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 105.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317816 | [Redact] | N/A | No | No | $6,552.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 747 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $6,552.00 | [Redact] | $0.00 | 2.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 179.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317818 | [Redact] | N/A | No | No | $6,786.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 747 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $6,786.00 | [Redact] | $0.00 | 1.3 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 188.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317888 | [Redact] | Non QM | Yes | No | $12,295.00 | $9,773.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 47.419% | 47.419% | 47.419% | [Redact] | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $12,295.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317817 | [Redact] | N/A | No | No | $6,732.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 747 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $6,732.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 159.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337835 | [Redact] | Non QM | Yes | No | $12,508.00 | $7,550.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 9.833% | 9.833% | 9.833% | [Redact] | 682 | No | Yes | 12 | Business | 100.000% | 29.500% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 29.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 29.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 29.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $12,508.00 | [Redact] | $0.00 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337846 | [Redact] | Non QM | Yes | No | $13,070.00 | $16,645.60 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 30.994% | 30.994% | 30.994% | [Redact] | 693 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $13,070.00 | [Redact] | $22,679.75 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | 17.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.92 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337861 | [Redact] | Non QM | Yes | No | $16,420.97 | $21,560.53 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 41.439% | 41.439% | 41.439% | [Redact] | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2007 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $16,420.97 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 2.090% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 129.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337865 | [Redact] | Exempt from ATR | No | No | $67,665.00 | $35,906.44 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.959% | 43.959% | 43.959% | [Redact] | 722 | No | Yes | 12 | Business | 63.000% | 100.000% | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $67,665.00 | [Redact] | $0.00 | 3.1 | DU | ApproveIneligible | N/A | No | [Redact] | 1 | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 26.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.16 | No | No | [Redact] | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337871 | [Redact] | Non QM | Yes | No | $19,958.78 | $24,483.05 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 34.872% | 34.872% | 34.872% | [Redact] | 676 | No | Yes | 12 | Business | 84.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $19,958.78 | [Redact] | $0.00 | 5.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.89 | No | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337884 | [Redact] | Non QM | Yes | No | $6,914.00 | $11,953.38 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.234% | 49.234% | 49.234% | [Redact] | 708 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $6,914.00 | [Redact] | $15,000.00 | 4.1 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 20.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337887 | [Redact] | Exempt from ATR | No | No | $11,315.00 | $15,224.59 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 23.345% | 23.345% | 23.345% | [Redact] | 682 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $11,315.00 | [Redact] | $0.00 | 2.5 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 208.05 | No | No | [Redact] | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337890 | [Redact] | Non QM | Yes | No | $14,470.00 | $20,800.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 41.171% | 41.171% | 41.171% | [Redact] | 717 | No | Yes | 12 | Business | 40.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2020 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $14,470.00 | [Redact] | $0.00 | 2.8 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 23.780% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.25 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337901 | [Redact] | Non QM | Yes | No | $14,183.63 | $19,729.68 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 48.953% | 48.953% | 48.953% | [Redact] | 717 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $14,183.63 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | Yes | [Redact] | [Redact] | 36.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337840 | [Redact] | N/A | No | No | $15,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 730 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $15,000.00 | [Redact] | $0.00 | 2.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | 360 | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 56.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337855 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 695 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | [Redact] | [Redact] | 20.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337859 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $11,280.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | [Redact] | [Redact] | 28.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337879 | [Redact] | N/A | No | No | $10,985.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $10,985.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 100.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337882 | [Redact] | N/A | No | No | $26,960.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $26,960.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [Redact] | [Redact] | 54.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 54.31 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337917 | [Redact] | N/A | No | No | $11,600.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Permanent Resident Alien | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 649 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,600.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 67.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10263341 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 700 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 2.3 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10298001 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 761 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337869 | [Redact] | Non QM | Yes | No | $7,760.00 | $15,524.45 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.296% | 39.640% | 43.296% | 718 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $7,760.00 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | 360 | [Redact] | [Redact] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.91 | No | No | [Redact] | [Redact] | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337888 | [Redact] | N/A | No | No | $11,412.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 686 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $11,412.50 | [Redact] | $14,000.00 | 1.1 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redact] | [Redact] | 22.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337891 | [Redact] | N/A | No | No | $12,375.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 794 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $12,375.00 | [Redact] | $13,950.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317822 | [Redact] | Non QM | Yes | No | $8,270.00 | $9,969.92 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 21.547% | 21.547% | 21.547% | [Redact] | 751 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $8,270.00 | [Redact] | $0.00 | 2.2 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 520.94 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337847 | [Redact] | Non QM | Yes | No | $15,089.20 | $8,554.67 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 27.924% | 27.924% | 27.924% | [Redact] | 658 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $15,089.20 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 9.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337892 | [Redact] | Non QM | Yes | No | $20,765.00 | $9,740.43 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 24.968% | 24.968% | 24.968% | [Redact] | 765 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $20,765.00 | [Redact] | $0.00 | 3.3 | None | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 262.24 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337916 | [Redact] | Non QM | Yes | No | $33,563.06 | $11,926.80 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 43.754% | 43.754% | 43.754% | [Redact] | 806 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $33,563.06 | [Redact] | $0.00 | 2.3 | DU | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 86.140% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.28 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337906 | [Redact] | Non QM | Yes | No | $35,861.29 | $20,302.04 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | [Redact] | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 39.808% | 39.808% | 39.808% | [Redact] | 710 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $35,861.29 | [Redact] | $0.00 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 20.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | 7.82 | No | [Redact] | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337837 | [Redact] | Non QM | Yes | No | $59,106.69 | $24,316.99 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 36.916% | 36.916% | 36.916% | [Redact] | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $59,106.69 | [Redact] | $0.00 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337838 | [Redact] | Non QM | Yes | No | $13,062.44 | $7,417.36 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.977% | 44.977% | 44.977% | [Redact] | 741 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $13,062.44 | [Redact] | $0.00 | 2.5 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 1 | 0 | 3 | 1 | 3.97 | No | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337858 | [Redact] | Non QM | Yes | No | $18,972.45 | $20,932.60 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 31.445% | 31.445% | 31.445% | [Redact] | 759 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $18,972.45 | [Redact] | $0.00 | 1.4 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 248.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337843 | [Redact] | Exempt from ATR | No | No | $29,461.45 | $5,922.96 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 28.146% | 28.146% | 28.146% | [Redact] | 778 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $29,461.45 | [Redact] | $5,000.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 1 | 2 | 0 | 3 | 2 | 15.97 | No | [Redact] | [Redact] | 42.180% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.45 | No | No | [Redact] | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337873 | [Redact] | Exempt from ATR | No | No | $12,101.20 | $9,013.91 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 39.004% | 39.004% | 39.004% | [Redact] | 741 | No | No | [Borrower - | Primary Income - Note Receivable]; Account Statements - 2026 [Borrower - | Primary Income - Note Receivable]; Other - 2026 [Borrower - | Primary Income - Note Receivable]; Other - 2026 [Borrower - | Primary Income - Note Receivable]; Account Statements - 2025 [Borrower - | Primary Income - Note Receivable]; Note - 2021 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $12,101.20 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.79 | No | No | [Redact] | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337900 | [Redact] | Non QM | Yes | No | $6,880.78 | $7,089.22 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.768% | 44.768% | 44.768% | [Redact] | 662 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $6,880.78 | [Redact] | $7,400.00 | 2.1 | None | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 62.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.71 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337886 | [Redact] | Non QM | Yes | No | $10,765.00 | $11,255.66 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 38.555% | 38.555% | 38.555% | [Redact] | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $10,765.00 | [Redact] | $3,000.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 3.940% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337908 | [Redact] | Exempt from ATR | No | No | $28,010.00 | $31,694.44 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 30.617% | 30.617% | 30.617% | [Redact] | 767 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $28,010.00 | [Redact] | $0.00 | 3.0 | None | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 235.74 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337898 | [Redact] | N/A | No | No | $4,425.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 719 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $4,425.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 477.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337907 | [Redact] | N/A | No | No | $4,425.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 719 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $4,425.00 | [Redact] | $6,000.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | [Redact] | [Redact] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 486.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10297976 | [Redact] | Non QM | Yes | No | $18,015.00 | $29,160.94 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.713% | 41.102% | 49.713% | [Redact] | 789 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $18,015.00 | [Redact] | $0.00 | LP / LPA | Accept/Ineligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 1 | 0.00 | No | 240 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.66 | No | No | $0.00 | [Redact] | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337911 | [Redact] | N/A | No | No | $4,200.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 731 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $4,200.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10317823 | [Redact] | Non QM | Yes | No | $14,391.08 | $8,500.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.124% | 44.124% | 44.124% | [Redact] | 805 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $14,391.08 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 30.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.63 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337854 | [Redact] | Non QM | Yes | No | $16,160.00 | $17,972.25 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 42.560% | 42.560% | 42.560% | [Redact] | 773 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $16,160.00 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac Advanced | FICO Risk Score Classic 04 | No | 4.63 | No | [Redact] | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337851 | [Redact] | Non QM | Yes | No | $17,725.00 | $19,420.83 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 36.396% | 36.396% | 36.396% | [Redact] | 732 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $17,725.00 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337910 | [Redact] | Non QM | Yes | No | $13,850.00 | $16,726.62 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 44.766% | 44.766% | 44.766% | [Redact] | 791 | Yes | No | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redact] | $13,850.00 | [Redact] | $0.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 48.46 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337878 | [Redact] | Non QM | Yes | No | $4,226.60 | $7,256.10 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 47.865% | 47.865% | 47.865% | [Redact] | 806 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redact] | $4,226.60 | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 87.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 93.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356594 | [Redact] | Non QM | Yes | No | $14,865.00 | $17,353.67 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 28.659% | 28.659% | 28.659% | [Redact] | 791 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redact] | $14,865.00 | [Redact] | $500.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redact] | [Redact] | 3.310% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356564 | [Redact] | Non QM | Yes | No | $26,865.00 | $32,381.67 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 38.414% | 38.414% | 38.414% | [Redact] | 720 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; Audited P&L - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redact] | $26,865.00 | [Redact] | $0.00 | 3.6 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redact] | [Redact] | 41.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 68.06 | Yes | No | [Redact] | $0.00 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356587 | [Redact] | Non QM | Yes | No | $11,741.91 | $5,263.45 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 37.621% | 37.621% | 37.621% | [Redact] | 745 | No | No | [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redact] | $11,741.91 | [Redact] | $0.00 | 1.1 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | No | [Redact] | [Redact] | 57.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356550 | [Redact] | Non QM | Yes | No | $20,618.50 | $9,626.94 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 40.137% | 33.304% | 40.137% | [Redact] | 766 | No | Yes | 12 | Business | 63.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $20,618.50 | [Redact] | $12,000.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 1 | 0 | 12 | 0.00 | Yes | 240 | [Redact] | [Redact] | 65.320% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 65.05 | Yes | No | $0.00 | [Redact] | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356606 | [Redact] | Non QM | Yes | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 24.198% | 24.198% | 24.198% | [Redact] | 794 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | [Redact] | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356526 | [Redact] | Non QM | Yes | No | $17,961.00 | $4,616.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 40.186% | 40.186% | 40.186% | [Redact] | 632 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $17,961.00 | [Redact] | $0.00 | 2.5 | None | N/A | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 94.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 111.42 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356620 | [Redact] | Non QM | Yes | No | $21,649.00 | $9,887.13 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 4.702% | 3.971% | 4.702% | [Redact] | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $21,649.00 | [Redact] | $600.00 | 1.0 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [Redact] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.01 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356571 | [Redact] | Non QM | Yes | No | $17,965.00 | $7,598.74 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed | US Citizen | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 49.582% | 49.582% | 49.582% | [Redact] | 709 | No | Yes | 24 | Personal | 69.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $17,965.00 | [Redact] | $80,000.00 | 1.0 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 30.100% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.52 | Yes | No | $0.00 | [Redact] | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356535 | [Redact] | Non QM | Yes | No | $7,865.00 | $7,823.79 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 23.219% | 23.219% | 23.219% | [Redact] | 703 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $7,865.00 | [Redact] | $18,000.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | [Redact] | 2.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 13.55 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356503 | [Redact] | Non QM | Yes | No | $40,076.76 | $20,889.33 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Permanent Resident Alien | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 41.680% | 41.680% | 41.680% | [Redact] | 715 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 34.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 34.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 34.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 34.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 34.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $40,076.76 | [Redact] | $175,000.00 | 1.9 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | 8.210% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 12.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356520 | [Redact] | Non QM | Yes | No | $16,170.70 | $6,241.90 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 7.069% | 7.069% | 7.069% | [Redact] | 681 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $16,170.70 | [Redact] | $0.00 | 3.7 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 105.38 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356521 | [Redact] | Non QM | Yes | No | $11,065.00 | $3,521.62 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 34.643% | 34.643% | 34.643% | [Redact] | 805 | No | Yes | 23 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 23]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 23]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 23]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 23]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 23]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 23]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $11,065.00 | [Redact] | $0.00 | 1.0 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 23 | 0.00 | No | [Redact] | [Redact] | 42.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356532 | [Redact] | Exempt from ATR | No | No | $4,003.52 | $5,730.77 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 40.374% | 40.374% | 40.374% | [Redact] | 789 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redact] | $4,003.52 | [Redact] | $2,000.00 | 4.3 | None | N/A | No | [Redact] | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redact] | [Redact] | 98.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 139.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356536 | [Redact] | N/A | No | No | $10,968.75 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 662 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $10,968.75 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356525 | [Redact] | N/A | No | No | $15,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 754 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $15,000.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.98 | 0.5 | [Redact] | [Redact] | 92.360% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 180 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356534 | [Redact] | N/A | No | No | $18,980.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 707 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $18,980.00 | [Redact] | $10,000.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redact] | [Redact] | 45.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356543 | [Redact] | N/A | No | No | $9,000.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $9,000.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356487 | [Redact] | N/A | No | No | $12,366.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $12,366.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356615 | [Redact] | N/A | No | No | $41,250.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $41,250.00 | [Redact] | $0.00 | 4.6 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | 240 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356533 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 752 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | 1.5 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | [Redact] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356577 | [Redact] | N/A | No | No | $6,517.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 766 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $6,517.50 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redact] | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356607 | [Redact] | N/A | No | No | $12,600.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 735 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $12,600.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | 240 | [Redact] | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356580 | [Redact] | N/A | No | No | $14,062.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 723 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $14,062.50 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redact] | [Redact] | 36.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356510 | [Redact] | N/A | No | No | $13,828.12 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 702 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $13,828.12 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 52.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356578 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 800 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redact] | [Redact] | 64.260% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 74.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356555 | [Redact] | N/A | No | No | $11,250.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $11,250.00 | [Redact] | $100,000.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | [Redact] | [Redact] | 19.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356585 | [Redact] | N/A | No | No | $8,500.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $8,500.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.64 | 0.38 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.78 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356490 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 4 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 704 | No | No | DSCR | 1 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356516 | [Redact] | N/A | No | No | $16,250.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $16,250.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356500 | [Redact] | N/A | No | No | $10,725.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 773 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $10,725.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356600 | [Redact] | N/A | No | No | $13,615.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 752 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $13,615.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356556 | [Redact] | N/A | No | No | $13,018.12 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $13,018.12 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | [Redact] | [Redact] | 14.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356582 | [Redact] | N/A | No | No | $17,437.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 763 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $17,437.50 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 118.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337836 | [Redact] | Non QM | Yes | No | $11,412.78 | $15,411.18 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 39.180% | 39.180% | 39.180% | [Redact] | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $11,412.78 | [Redact] | $11,594.00 | 2.6 | DU | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [Redact] | [Redact] | 21.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.45 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337874 | [Redact] | N/A | No | No | $24,750.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | 0 | US Citizen | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 705 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $24,750.00 | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337909 | [Redact] | N/A | No | No | $18,600.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $18,600.00 | [Redact] | $15,500.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | 240 | [Redact] | [Redact] | 28.680% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356493 | [Redact] | N/A | No | No | $23,160.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Permanent Resident Alien | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 774 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $23,160.00 | [Redact] | $2,000.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redact] | [Redact] | 26.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356508 | [Redact] | N/A | No | No | $10,500.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 681 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redact] | $10,500.00 | [Redact] | $0.00 | 1.0 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | [Redact] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356537 | [Redact] | Non QM | Yes | No | $30,730.00 | $42,984.17 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | US Citizen | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 33.184% | 31.241% | 33.184% | [Redact] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redact] | $30,730.00 | [Redact] | $0.00 | DU | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 360 | [Redact] | [Redact] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10356572 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 2 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 656 | No | No | DSCR | 1 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | [Redact] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337849 | [Redact] | N/A | No | No | $5,962.50 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 1 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | $5,962.50 | [Redact] | $0.00 | 1.7 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | [Redact] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [Redact] | 10337870 | [Redact] | N/A | No | No | $0.00 | [Redact] | [Redact] | [Redact] | [Redact] | No | No | US Citizen | 3 | [Redact] | [Redact] | [Redact] | [Redact] | 0.000% | 0.000% | 0.000% | [Redact] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redact] | [Redact] | $0.00 | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.59 | [Redact] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |