Exhibit 99.01 Schedule 4
| 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 | Flood Zone Designation | Flood Policy Expiration Date | Flood Policy Coverage Amount |
| XXXXX | 4000003925 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | US Citizen | 2 | XXXXX | $1,418.04 | XXXXX | $118.17 | 0.000% | 0.000% | 0.000% | 04/08/2022 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 240 | XXXXX | XXXXX | 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 | 160.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000003788 | XXXXX | Non QM | Yes | No | $7,485.00 | $4,712.17 | 6.662% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $5,505.28 | 1 | XXXXX | $2,384.52 | XXXXX | $198.71 | 37.440% | 37.440% | 37.440% | 04/06/2022 | 795 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | 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 | XXXXX | $7,485.00 | 5.170% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 101.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000079398 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.000% | No | No | US Citizen | 1 | XXXXX | $1,590.96 | XXXXX | $132.58 | 0.000% | 0.000% | 0.000% | 05/01/2025 | 783 | No | No | DSCR | 2 | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | 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 | 22 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094518 | XXXXX | N/A | No | Yes | $0.00 | 7.121% | XXXXX | XXXXX | 7.125% | No | No | Employed | US Citizen | $6,227.31 | 1 | XXXXX | $2,316.96 | XXXXX | $193.08 | 37.787% | 37.787% | 37.787% | 09/16/2025 | 787 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.320% | $0.00 | 2.4 | LP / LPA | Accept/Eligible | No | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 269.09 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099990 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.750% | No | No | US Citizen | 1 | XXXXX | $888.48 | XXXXX | $74.04 | 0.000% | 0.000% | 0.000% | 10/14/2025 | 683 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 63.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105741 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,077.00 | XXXXX | $89.75 | 0.000% | 0.000% | 0.000% | 11/04/2025 | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | XXXXX | 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 | 654.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000103919 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,115.00 | $3,194.10 | 6.955% | XXXXX | XXXXX | 6.875% | No | No | Non-Employment Income | US Citizen | $7,806.04 | 1 | XXXXX | $1,210.56 | XXXXX | $100.88 | 41.345% | 41.345% | 41.345% | 10/30/2025 | 804 | No | No | [Borrower - |
Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - IRA Distribution]; Other - 2025 [Borrower - | Primary Income - IRA Distribution]; Other - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Full Doc 1yr - AUS | 0 | 0 | 0 | Yes | XXXXX | $2,115.00 | 6.170% | $0.00 | 2.0 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 31.870% | No | 28 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.02 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105349 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $2,308.20 | XXXXX | $192.35 | 0.000% | 0.000% | 0.000% | 11/12/2025 | 794 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | XXXXX | XXXXX | 8.410% | 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 | 11.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109748 | XXXXX | N/A | No | Yes | $0.00 | 6.597% | XXXXX | XXXXX | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $20,549.67 | 1 | XXXXX | $1,035.96 | XXXXX | $86.33 | 24.076% | 24.076% | 24.076% | 12/13/2025 | 707 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.180% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 2 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 30.470% | No | 35 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.93 | No | No | $0.00 | $5,163.85 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112138 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | 0 | US Citizen | US Citizen | 2 | XXXXX | $2,292.00 | XXXXX | $191.00 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 745 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | 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 | 25.07 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103747 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 3 | XXXXX | $3,937.56 | XXXXX | $328.13 | 0.000% | 0.000% | 0.000% | 08/20/2025 | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108636 | XXXXX | N/A | No | No | $25,110.00 | $4,123.34 | 7.900% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed | US Citizen | $36,438.70 | 1 | XXXXX | $2,625.72 | XXXXX | $218.81 | 40.421% | 40.421% | 40.421% | 12/29/2025 | 682 | No | No | Third Party Prepared | [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]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $25,110.00 | 6.250% | $0.00 | 1.5 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.83 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108272 | XXXXX | Non QM | Yes | No | $2,470.00 | $3,922.70 | 6.956% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $6,610.00 | 1 | XXXXX | $1,906.92 | XXXXX | $158.91 | 45.699% | 45.699% | 45.699% | 12/23/2025 | 811 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; W-2 - 2024 [Borrower - | Non-Primary Income - Housing Allowance]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Housing Allowance]; W-2 - 2023 [Borrower - | Non-Primary Income - Housing Allowance]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,470.00 | 6.250% | $2,750.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 32.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112626 | XXXXX | Non QM | Yes | No | $1,640.00 | $10,205.12 | 6.557% | XXXXX | XXXXX | 6.500% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $10,332.97 | 1 | XXXXX | $3,378.48 | XXXXX | $281.54 | 42.659% | 42.659% | 42.659% | 12/12/2025 | 730 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 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]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $7,500.00 | 1.0 | None | Yes | No | 6.500% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 32.620% | No | 35 | 13 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 8.09 | No | $0.00 | $5,026.67 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112594 | XXXXX | Non QM | Yes | No | $2,511.20 | $5,518.36 | 6.520% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | US Citizen | $5,338.64 | 1 | XXXXX | $819.00 | XXXXX | $68.25 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 798 | 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 - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $2,511.20 | 6.060% | $4,650.00 | 3.8 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 291.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112330 | XXXXX | N/A | No | Yes | $0.00 | 5.721% | XXXXX | XXXXX | 5.750% | No | No | Employed | US Citizen | $6,893.91 | 1 | XXXXX | $1,035.24 | XXXXX | $86.27 | 47.633% | 47.633% | 47.633% | 01/21/2026 | 784 | 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]; 4506-C - 2025 [Borrower]; 1040 - 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 | No | XXXXX | 6.060% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 5.750% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 98.33 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113594 | XXXXX | N/A | No | No | $2,442.52 | $13,495.47 | 8.191% | XXXXX | XXXXX | 7.750% | No | No | Not Employed | Self-Employed | US Citizen | $8,687.24 | 1 | XXXXX | $1,319.04 | XXXXX | $109.92 | 49.107% | 49.107% | 49.107% | 12/26/2025 | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,442.52 | 6.140% | $7,999.98 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 1.280% | 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 | 12.58 | No | No | $17,069.50 | $0.00 | No | No | No | No | 2 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112115 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $1,293.00 | XXXXX | $107.75 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 37.020% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113051 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,975.70 | 6.795% | XXXXX | XXXXX | 6.750% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $6,440.63 | 1 | XXXXX | $0.00 | XXXXX | $0.00 | 53.719% | 53.719% | 53.719% | 01/23/2026 | 804 | No | No | [Borrower - |
Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Primary Income - Pension]; Other - 2026 [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $0.00 | 2.6 | None | Yes | No | 6.750% | 0 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 77.430% | 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 | 76.36 | Yes | No | $0.00 | $7,826.46 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114188 | XXXXX | Non QM | Yes | No | $16,323.03 | $21,211.53 | 6.371% | XXXXX | XXXXX | 6.250% | No | No | Employed | US Citizen | $9,208.74 | 1 | XXXXX | $2,124.00 | XXXXX | $177.00 | 54.833% | 54.833% | 54.833% | 12/23/2025 | 776 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $16,323.03 | 6.140% | $0.00 | 1.0 | None | Yes | No | 6.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 51.170% | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 61.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113883 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,270.92 | 6.528% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $11,313.86 | 1 | XXXXX | $2,762.04 | XXXXX | $230.17 | 42.228% | 42.228% | 42.228% | 11/24/2025 | 772 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $1,000.00 | 2.5 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 45.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 35.22 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108878 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $1,140.96 | XXXXX | $95.08 | 0.000% | 0.000% | 0.000% | 12/31/2025 | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114348 | XXXXX | N/A | No | No | $3,795.00 | $9,229.10 | 6.852% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $1,412,998.87 | 1 | XXXXX | $1,185.24 | XXXXX | $98.77 | 0.749% | 0.749% | 0.749% | 01/19/2026 | 807 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; 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]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,795.00 | 6.140% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.64 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111934 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $1,640.00 | $12,778.54 | 6.293% | XXXXX | XXXXX | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $28,453.79 | 1 | XXXXX | $9,005.76 | XXXXX | $750.48 | 40.044% | 40.044% | 40.044% | 01/18/2026 | 787 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 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 [Borrower - | Primary Income - Wages]; Employer Letter - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $1,640.00 | 6.060% | $16,880.00 | 1.1 | None | Yes | No | 6.250% | 3 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Not Stated | XXXXX | XXXXX | 97.820% | No | 25 | 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 | 121.78 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000109254 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.999% | No | No | US Citizen | 4 | XXXXX | $7,917.96 | XXXXX | $659.83 | 0.000% | 0.000% | 0.000% | 10/23/2025 | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 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 | 9.17 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114297 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,074.96 | XXXXX | $89.58 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 705 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.59 | XXXXX | XXXXX | 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 | 104.26 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112729 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.838% | XXXXX | XXXXX | 6.875% | No | No | Non-Employment Income | US Citizen | $5,788.66 | 1 | XXXXX | $1,535.88 | XXXXX | $127.99 | 36.956% | 36.956% | 36.956% | 01/05/2026 | 793 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - IRA Distribution]; Other - 2026 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | 6.060% | $3,175.00 | 2.5 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 431.67 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112483 | XXXXX | N/A | No | No | $6,205.94 | $10,679.98 | 7.075% | XXXXX | XXXXX | 6.990% | No | No | Self-Employed | US Citizen | $142,185.16 | 1 | XXXXX | $1,547.52 | XXXXX | $128.96 | 9.206% | 9.206% | 9.206% | 01/20/2026 | 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]; 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 - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $6,205.94 | 6.060% | $0.00 | 1.4 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 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 | 19.37 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112328 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,431.44 | 6.536% | XXXXX | XXXXX | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $20,784.34 | 1 | XXXXX | $2,171.28 | XXXXX | $180.94 | 46.465% | 46.465% | 46.465% | 01/20/2026 | 789 | 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 - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $0.00 | 2.6 | None | N/A | No | 6.500% | 3 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 43.090% | No | 11 | 25 | 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 | 40.62 | No | No | $0.00 | $13,608.00 | No | No | No | No | 2 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113380 | XXXXX | Non QM | Yes | No | $6,403.50 | $11,309.97 | 7.157% | XXXXX | XXXXX | 7.658% | No | No | Self-Employed | US Citizen | $26,469.30 | 1 | XXXXX | $2,924.16 | XXXXX | $243.68 | 42.696% | 34.186% | 42.696% | 12/29/2025 | 828 | No | No | Third Party Prepared (Unaudited) | [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%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,403.50 | 5.940% | $3,000.00 | 2.1 | None | Yes | No | 7.658% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 141.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112238 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $2,273.28 | XXXXX | $189.44 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113491 | XXXXX | Non QM | Yes | No | $2,370.00 | $4,924.64 | 6.945% | XXXXX | XXXXX | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $30,505.91 | 1 | XXXXX | $545.64 | XXXXX | $45.47 | 15.350% | 15.350% | 15.350% | 01/09/2026 | 807 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 6.140% | $0.00 | 1.5 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 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 | 555.58 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115552 | XXXXX | Non QM | Yes | No | $1,640.00 | $14,085.04 | 6.171% | XXXXX | XXXXX | 6.125% | No | No | Self-Employed | US Citizen | $12,523.86 | 1 | XXXXX | $2,847.96 | XXXXX | $237.33 | 51.660% | 45.657% | 51.660% | 02/10/2026 | 799 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Sole Proprietor]; Business License - 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]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.100% | $602,300.00 | 2.2 | None | No | No | 6.125% | 0 | 1 | 0 | 3 | 1 | 12.00 | No | 360 | XXXXX | XXXXX | 56.860% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 67.82 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112215 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,228.13 | 6.851% | XXXXX | XXXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $16,199.88 | 1 | XXXXX | $323.04 | XXXXX | $26.92 | 38.854% | 38.854% | 38.854% | 02/09/2026 | 770 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $4,000.00 | 1.9 | None | Yes | No | 6.750% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 87.860% | No | 24 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 80.88 | No | No | $0.00 | $17,137.91 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112323 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $2,363.04 | XXXXX | $196.92 | 0.000% | 0.000% | 0.000% | 12/10/2025 | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | 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 | 114.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115626 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $16,445.00 | $0.00 | 6.734% | XXXXX | XXXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $19,017.81 | 1 | XXXXX | $3,475.80 | XXXXX | $289.65 | 49.632% | 49.632% | 49.632% | 01/20/2026 | 708 | 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]; 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]; 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 - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $16,445.00 | 6.100% | $17,500.00 | 4.3 | None | No | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 8.650% | No | 1 | 25 | 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 | 9.97 | No | $0.00 | $21,995.09 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112672 | XXXXX | Non QM | Yes | No | $3,776.59 | $5,925.49 | 6.586% | XXXXX | XXXXX | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $21,767.79 | 1 | XXXXX | $2,701.32 | XXXXX | $225.11 | 38.411% | 38.411% | 38.411% | 12/23/2025 | 786 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 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]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,776.59 | 6.060% | $11,880.00 | 2.6 | None | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 43.910% | No | 36 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.99 | No | No | $0.00 | $18,906.20 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116613 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 2 | XXXXX | $2,472.00 | XXXXX | $206.00 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.58 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114357 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,748.92 | 6.561% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $19,202.11 | 1 | XXXXX | $1,861.68 | XXXXX | $155.14 | 38.145% | 38.145% | 38.145% | 01/26/2026 | 789 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $7,254.80 | 1.0 | None | No | No | 6.500% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 69.910% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 64.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112351 | XXXXX | Non QM | Yes | No | $3,059.92 | $6,248.63 | 6.903% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $70,346.09 | 1 | XXXXX | $2,793.96 | XXXXX | $232.83 | 33.688% | 33.688% | 33.688% | 01/14/2026 | 740 | No | Yes | 48 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; 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 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 [Borrower - | 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 - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,059.92 | 6.140% | $0.00 | 1.6 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 27.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 16.83 | Yes | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114056 | XXXXX | Non QM | Yes | No | $2,370.00 | $7,506.65 | 6.677% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | US Citizen | $73,385.86 | 1 | XXXXX | $597.96 | XXXXX | $49.83 | 15.895% | 15.895% | 15.895% | 01/20/2026 | 791 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 6.140% | $0.00 | 2.7 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 653.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113390 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,627.75 | 6.395% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | US Citizen | $2,862.11 | 1 | XXXXX | $2,652.00 | XXXXX | $221.00 | 0.000% | 0.000% | 0.000% | 01/31/2026 | 820 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $8,000.00 | 1.2 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 298.83 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116152 | XXXXX | Non QM | Yes | No | $11,570.00 | $13,827.35 | 6.370% | XXXXX | XXXXX | 6.125% | No | No | Self-Employed | US Citizen | $16,851.27 | 1 | XXXXX | $357.00 | XXXXX | $29.75 | 38.614% | 38.614% | 38.614% | 01/28/2026 | 795 | 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 - 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,570.00 | 6.130% | $0.00 | 1.2 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 77.590% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 142.88 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114830 | XXXXX | Non QM | Yes | No | $12,320.00 | $6,002.10 | 6.685% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $7,903.21 | 1 | XXXXX | $2,628.00 | XXXXX | $219.00 | 52.256% | 52.256% | 52.256% | 02/03/2026 | 741 | 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $12,320.00 | 6.100% | $1,588.00 | 2.6 | None | Yes | No | 6.625% | 3 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 65.220% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 99.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112169 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,649.82 | 6.420% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $11,386.48 | 1 | XXXXX | $2,682.72 | XXXXX | $223.56 | 42.647% | 42.647% | 42.647% | 01/14/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $215,000.00 | 1.1 | None | Yes | No | 6.375% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 25.450% | No | 20 | 7 | 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 | 37.17 | Yes | No | $0.00 | $8,333.35 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116468 | XXXXX | Non QM | Yes | No | $1,740.00 | $6,662.07 | 6.277% | XXXXX | XXXXX | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $23,042.16 | 1 | XXXXX | $4,805.64 | XXXXX | $400.47 | 36.834% | 36.834% | 36.834% | 02/06/2026 | 773 | 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]; 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]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 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 - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.130% | $0.00 | 1.0 | None | Yes | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 70.100% | No | 24 | 24 | 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 | 76.9 | Yes | No | $0.00 | $18,887.98 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114001 | XXXXX | Non QM | Yes | No | $10,394.00 | $3,164.91 | 6.786% | XXXXX | XXXXX | 6.750% | No | No | Non-Employment Income | Permanent Resident Alien | $11,745.92 | 1 | XXXXX | $1,335.00 | XXXXX | $111.25 | 34.147% | 34.147% | 34.147% | 01/27/2026 | 806 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $10,394.00 | 6.140% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 341.21 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114149 | XXXXX | Non QM | Yes | No | $1,740.00 | $6,321.89 | 6.315% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | US Citizen | $3,104.26 | 1 | XXXXX | $4,502.16 | XXXXX | $375.18 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 825 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.140% | $0.00 | 4.1 | None | No | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 469.71 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116583 | XXXXX | Non QM | Yes | No | $21,395.00 | $4,804.19 | 6.291% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $12,863.09 | 1 | XXXXX | $9,374.52 | XXXXX | $781.21 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 810 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; 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 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $21,395.00 | 6.130% | $6,000.00 | 3.4 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 531.45 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114934 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,804.52 | 6.265% | XXXXX | XXXXX | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $18,841.11 | 1 | XXXXX | $1,732.80 | XXXXX | $144.40 | 53.353% | 53.353% | 53.353% | 02/03/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 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]; The Work Number - Income - 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.100% | $0.00 | 3.9 | None | No | No | 6.250% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 46.990% | No | 25 | 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 | 39.25 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114919 | XXXXX | Non QM | Yes | No | $2,420.00 | $7,788.92 | 6.961% | XXXXX | XXXXX | 7.662% | No | No | Employed | Employed | US Citizen | US Citizen | $9,195.35 | 1 | XXXXX | $2,256.96 | XXXXX | $188.08 | 53.930% | 48.999% | 53.930% | 02/11/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; 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 Transcript - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,420.00 | 5.960% | $0.00 | 2.4 | None | No | No | 7.662% | 3 | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 32.220% | No | 25 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.03 | No | $0.00 | $9,924.06 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115745 | XXXXX | Non QM | Yes | No | $1,995.00 | $0.00 | 6.372% | XXXXX | XXXXX | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,975.28 | 1 | XXXXX | $1,775.88 | XXXXX | $147.99 | 41.608% | 41.608% | 41.608% | 01/09/2026 | 773 | 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]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $1,995.00 | 6.100% | $0.00 | 2.6 | None | Yes | No | 6.375% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.24 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116563 | XXXXX | Non QM | Yes | No | $2,210.00 | $0.00 | 6.491% | XXXXX | XXXXX | 6.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $7,088.09 | 1 | XXXXX | $4,868.52 | XXXXX | $405.71 | 49.921% | 49.921% | 49.921% | 01/30/2026 | 779 | No | No | [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 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,210.00 | 6.130% | $25,000.00 | 1.0 | None | Yes | No | 6.500% | 3 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 25 | 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 | 136.8 | Yes | No | $2,070.49 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112154 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,406.68 | 6.568% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $15,338.76 | 1 | XXXXX | $1,513.44 | XXXXX | $126.12 | 44.747% | 44.747% | 44.747% | 02/17/2026 | 785 | No | No | [Borrower - |
Primary Income - VA Service Related Disability]; VA Verification of Benefits
- 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 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]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $0.00 | 1.2 | None | No | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 24 | Yes | Commitment | 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 | No | 14.04 | No | No | $0.00 | $13,019.07 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112196 | XXXXX | Non QM | Yes | No | $2,465.00 | $3,467.26 | 6.563% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $5,388.51 | 1 | XXXXX | $2,893.08 | XXXXX | $241.09 | 43.398% | 43.398% | 43.398% | 01/12/2026 | 779 | Yes | 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]; 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 - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.060% | $0.00 | 1.3 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 150.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118962 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 2 | XXXXX | $2,202.96 | XXXXX | $183.58 | 0.000% | 0.000% | 0.000% | 12/22/2025 | 816 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.53 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.07 | Yes | 15.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113886 | XXXXX | Non QM | Yes | No | $1,790.00 | $7,582.20 | 6.517% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $10,747.71 | 1 | XXXXX | $2,045.04 | XXXXX | $170.42 | 48.040% | 48.040% | 48.040% | 01/05/2026 | 801 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.140% | $0.00 | 3.1 | None | No | No | 6.500% | 0 | 0 | 1 | 0 | 3 | 1 | 10.97 | No | XXXXX | XXXXX | 39.750% | 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 | 30.75 | No | No | $2,020.90 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115417 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,861.85 | 6.317% | XXXXX | XXXXX | 6.250% | No | No | Employed | US Citizen | $8,353.20 | 1 | XXXXX | $3,326.04 | XXXXX | $277.17 | 48.774% | 48.774% | 48.774% | 02/04/2026 | 763 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; 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 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.100% | $1,700.00 | 3.2 | None | No | No | 6.250% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 259.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113322 | XXXXX | Non QM | Yes | No | $2,547.52 | $5,495.03 | 6.567% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $54,364.79 | 1 | XXXXX | $2,070.24 | XXXXX | $172.52 | 29.252% | 29.252% | 29.252% | 02/04/2026 | 789 | No | No | [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 - 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 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,547.52 | 6.140% | $1,750.00 | 1.3 | None | Yes | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 84.350% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 94.77 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113548 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,976.15 | 6.524% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $20,557.14 | 1 | XXXXX | $5,000.40 | XXXXX | $416.70 | 42.076% | 42.076% | 42.076% | 01/27/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Account Statements - 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 - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $10,000.00 | 3.9 | None | No | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 61.130% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 66.51 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114775 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,579.46 | 6.974% | XXXXX | XXXXX | 7.664% | No | No | Self-Employed | US Citizen | $37,385.86 | 1 | XXXXX | $42,630.84 | XXXXX | $3,552.57 | 48.537% | 44.368% | 48.537% | 02/03/2026 | 818 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.960% | $0.00 | 5.0 | None | No | No | 7.664% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115507 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.374% | No | No | US Citizen | 1 | XXXXX | $2,687.04 | XXXXX | $223.92 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113157 | XXXXX | Non QM | Yes | No | $1,640.00 | $9,024.94 | 6.427% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $37,066.95 | 1 | XXXXX | $3,598.80 | XXXXX | $299.90 | 33.912% | 33.912% | 33.912% | 01/27/2026 | 758 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - C-Corp]; CPA Letter - 2026 [Borrower - | Primary Income - C-Corp]; Balance Sheet - 2025 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2025 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; 1120 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $0.00 | 4.0 | None | No | No | 6.375% | 0 | 0 | 2 | 0 | 3 | 2 | 12.00 | No | XXXXX | XXXXX | 34.550% | 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 | Resident Alien Card | Resident Alien Card | 21.29 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111785 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,788.59 | 6.261% | XXXXX | XXXXX | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $76,615.15 | 1 | XXXXX | $1,773.00 | XXXXX | $147.75 | 22.914% | 22.914% | 22.914% | 01/19/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 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 - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $3,000.00 | 1.0 | None | No | No | 6.250% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 35.620% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.43 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112756 | XXXXX | N/A | No | No | $34,419.57 | $21,560.64 | 6.610% | XXXXX | XXXXX | 6.374% | No | No | Self-Employed | US Citizen | $227,095.94 | 1 | XXXXX | $1,401.36 | XXXXX | $116.78 | 14.102% | 14.102% | 14.102% | 01/20/2026 | 764 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $34,419.57 | 6.060% | $0.00 | 1.9 | None | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 3.080% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.46 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115706 | XXXXX | Non QM | Yes | No | $2,976.00 | $5,291.66 | 7.033% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | US Citizen | $9,956.02 | 1 | XXXXX | $4,461.00 | XXXXX | $371.75 | 48.952% | 48.952% | 48.952% | 02/11/2026 | 766 | 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]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,976.00 | 6.100% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 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 | 5.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112647 | XXXXX | Non QM | Yes | No | $2,270.00 | $6,229.40 | 6.667% | XXXXX | XXXXX | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $31,626.90 | 1 | XXXXX | $1,455.00 | XXXXX | $121.25 | 25.313% | 25.313% | 25.313% | 11/24/2025 | 804 | Yes | 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 - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.060% | $6,200.00 | 1.0 | None | N/A | No | 6.625% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | 25 | 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 | 392.37 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112875 | XXXXX | Non QM | Yes | No | $5,140.00 | $5,948.10 | 7.376% | XXXXX | XXXXX | 7.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,514.42 | 1 | XXXXX | $1,653.00 | XXXXX | $137.75 | 48.536% | 48.536% | 48.536% | 01/19/2026 | 799 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $5,140.00 | 6.100% | $0.00 | 1.3 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 830.07 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116839 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,484.68 | 6.407% | XXXXX | XXXXX | 6.375% | No | No | Employed | Permanent Resident Alien | $9,983.29 | 1 | XXXXX | $2,634.00 | XXXXX | $219.50 | 53.392% | 53.392% | 53.392% | 02/25/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.130% | $0.00 | 2.5 | None | No | No | 6.375% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 21.210% | No | 25 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 16.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117680 | XXXXX | Non QM | Yes | No | $2,815.00 | $2,514.77 | 6.766% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $25,753.13 | 1 | XXXXX | $1,619.04 | XXXXX | $134.92 | 49.547% | 49.547% | 49.547% | 01/30/2026 | 738 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,815.00 | 6.100% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | No | 4.83 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112097 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 2 | XXXXX | $2,085.00 | XXXXX | $173.75 | 0.000% | 0.000% | 0.000% | 10/14/2025 | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.98 | 0.5 | XXXXX | 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 | 22.95 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111987 | XXXXX | Non QM | Yes | No | $2,270.00 | $9,423.30 | 6.271% | XXXXX | XXXXX | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $17,962.29 | 1 | XXXXX | $7,398.96 | XXXXX | $616.58 | 49.972% | 49.972% | 49.972% | 12/11/2025 | 784 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.060% | $0.00 | 1.0 | None | No | No | 6.250% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 59.050% | No | Yes | Final | 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 | 44.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115094 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $16,445.00 | $7,192.84 | 6.645% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $35,045.72 | 1 | XXXXX | $2,457.00 | XXXXX | $204.75 | 51.711% | 51.711% | 51.711% | 11/25/2025 | 752 | 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]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $16,445.00 | 6.100% | $0.00 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 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 | 28.71 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112234 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $8,335.08 | XXXXX | $694.59 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 251.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113090 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,362.84 | 6.271% | XXXXX | XXXXX | 6.250% | No | No | Employed | US Citizen | $8,617.12 | 1 | XXXXX | $2,388.00 | XXXXX | $199.00 | 48.297% | 43.316% | 48.297% | 02/10/2026 | 751 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $16,209.60 | 2.7 | None | Yes | No | 6.250% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | 360 | XXXXX | XXXXX | 70.120% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.18 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112338 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,017.00 | XXXXX | $84.75 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 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 | 206.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114086 | XXXXX | Non QM | Yes | No | $3,079.17 | $5,085.87 | 6.402% | XXXXX | XXXXX | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $93,942.77 | 1 | XXXXX | $2,360.28 | XXXXX | $196.69 | 18.226% | 18.226% | 18.226% | 01/29/2026 | 761 | No | No | [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 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,079.17 | 6.140% | $0.00 | 5.0 | None | Yes | No | 6.375% | 3 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114296 | XXXXX | Non QM | Yes | No | $1,740.00 | $2,945.19 | 6.654% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | US Citizen | $1,967.74 | 1 | XXXXX | $2,193.96 | XXXXX | $182.83 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 814 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.140% | $1,790.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 180.82 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112850 | XXXXX | Non QM | Yes | No | $2,100.00 | $2,632.50 | 6.733% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $12,308.21 | 1 | XXXXX | $2,733.96 | XXXXX | $227.83 | 19.239% | 19.239% | 19.239% | 01/23/2026 | 756 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,100.00 | 6.060% | $9,000.00 | 1.4 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 27.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A8 | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112428 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,182.21 | 6.401% | XXXXX | XXXXX | 6.375% | No | No | Employed | Not Employed | Permanent Resident Alien | US Citizen | $19,080.92 | 1 | XXXXX | $3,789.96 | XXXXX | $315.83 | 49.118% | 49.118% | 49.118% | 01/23/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $0.00 | 1.0 | None | Yes | No | 6.375% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 48.820% | No | 8 | 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 | Resident Alien Card | 47.56 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114340 | XXXXX | Non QM | Yes | No | $2,270.00 | $3,318.40 | 6.794% | XXXXX | XXXXX | 6.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $15,874.49 | 1 | XXXXX | $1,092.96 | XXXXX | $91.08 | 34.222% | 34.222% | 34.222% | 01/30/2026 | 802 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.140% | $0.00 | 4.2 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 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 | 318.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114035 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,976.53 | 6.647% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $15,350.10 | 1 | XXXXX | $3,741.00 | XXXXX | $311.75 | 45.570% | 45.570% | 45.570% | 01/27/2026 | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $160,250.00 | 1.5 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 20.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 18.93 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118432 | XXXXX | Non QM | Yes | No | $25,476.00 | $28,919.62 | 7.199% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $20,107.71 | 1 | XXXXX | $1,738.56 | XXXXX | $144.88 | 33.082% | 33.082% | 33.082% | 01/28/2026 | 783 | 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]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $25,476.00 | 6.130% | $7,500.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 14.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118453 | XXXXX | Non QM | Yes | No | $52,543.68 | $23,403.40 | 7.066% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | US Citizen | $61,993.18 | 1 | XXXXX | $12,037.92 | XXXXX | $1,003.16 | 21.462% | 21.462% | 21.462% | 01/23/2026 | 780 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $52,543.68 | 5.990% | $0.00 | 2.0 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 91.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115019 | XXXXX | Non QM | Yes | No | $2,465.00 | $5,928.15 | 6.463% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | US Citizen | $17,292.20 | 1 | XXXXX | $3,273.96 | XXXXX | $272.83 | 31.830% | 31.830% | 31.830% | 02/01/2026 | 789 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; 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 | No | XXXXX | $2,465.00 | 6.100% | $0.00 | 1.4 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 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 | 367.41 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113730 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,197.76 | 7.027% | XXXXX | XXXXX | 7.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $53,053.61 | 1 | XXXXX | $2,442.96 | XXXXX | $203.58 | 22.831% | 22.831% | 22.831% | 01/27/2026 | 817 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $0.00 | 5.0 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 55.670% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 55.48 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113474 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,502.10 | 6.409% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | US Citizen | $8,944.03 | 1 | XXXXX | $1,349.52 | XXXXX | $112.46 | 0.000% | 0.000% | 0.000% | 01/27/2026 | 795 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $0.00 | 1.3 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 457.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113287 | XXXXX | Non QM | Yes | No | $2,145.10 | $4,347.36 | 7.513% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $17,112.54 | 1 | XXXXX | $553.56 | XXXXX | $46.13 | 22.288% | 22.288% | 22.288% | 01/26/2026 | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 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 | No | XXXXX | $2,145.10 | 6.140% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115825 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,219.30 | 6.650% | XXXXX | XXXXX | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $18,300.27 | 1 | XXXXX | $1,638.60 | XXXXX | $136.55 | 39.280% | 39.280% | 39.280% | 02/03/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; D1C Income Verification Report - 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; D1C Income Verification Report - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.100% | $750.00 | 1.0 | None | Yes | No | 6.625% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 43.210% | No | 2 | 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 | 36.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112689 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $16,777.08 | XXXXX | $1,398.09 | 0.000% | 0.000% | 0.000% | 01/22/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.55 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | VE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115127 | XXXXX | Non QM | Yes | No | $1,740.00 | $13,529.41 | 6.771% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $17,348.89 | 1 | XXXXX | $2,640.00 | XXXXX | $220.00 | 43.651% | 38.830% | 43.651% | 02/06/2026 | 806 | 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]; 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]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.100% | $0.00 | 1.3 | None | No | No | 6.750% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | 360 | XXXXX | XXXXX | 73.070% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 97.59 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116366 | XXXXX | Non QM | Yes | No | $4,191.04 | $5,317.07 | 6.803% | XXXXX | XXXXX | 6.750% | No | No | Non-Employment Income | US Citizen | $3,618.33 | 1 | XXXXX | $5,819.52 | XXXXX | $484.96 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 790 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $4,191.04 | 6.060% | $14,950.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 170.71 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115391 | XXXXX | N/A | No | Yes | $0.00 | 6.240% | XXXXX | XXXXX | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $5,790.01 | 1 | XXXXX | $1,193.04 | XXXXX | $99.42 | 48.090% | 48.090% | 48.090% | 12/30/2025 | 707 | 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 - 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]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.100% | $0.00 | LP / LPA | Accept/Eligible | N/A | No | 6.250% | 2 | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 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 | 184.75 | No | No | $0.00 | $4,397.06 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113620 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,202.85 | 6.567% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | US Citizen | $16,391.74 | 1 | XXXXX | $1,982.04 | XXXXX | $165.17 | 12.051% | 12.051% | 12.051% | 01/12/2026 | 800 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $99.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 1567.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117365 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,255.00 | $2,617.54 | 6.682% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $11,956.57 | 1 | XXXXX | $6,843.60 | XXXXX | $570.30 | 39.658% | 39.658% | 39.658% | 01/05/2026 | 783 | No | No | [Borrower - |
Primary Income - VA Service Related Disability]; VA Verification of Benefits
- 2026 [Borrower - | Primary Income - VA Service Related Disability]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 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 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,255.00 | 6.100% | $0.00 | 4.3 | LP / LPA | Accept/Eligible | No | No | 6.625% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 26.110% | 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 | 2.66 | No | No | $0.00 | $17,537.53 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112389 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.749% | No | No | US Citizen | 1 | XXXXX | $911.04 | XXXXX | $75.92 | 0.000% | 0.000% | 0.000% | 11/13/2025 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | Yes | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | XXXXX | 2.020% | 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 | 44.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116476 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,939.76 | $5,445.91 | 7.075% | XXXXX | XXXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $8,556.59 | 1 | XXXXX | $2,067.60 | XXXXX | $172.30 | 35.774% | 35.774% | 35.774% | 01/19/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 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]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,939.76 | 6.130% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.750% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 45.160% | No | 25 | 25 | 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 | 32.15 | Yes | No | $0.00 | $9,641.58 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116165 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,690.00 | $0.00 | 6.328% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $12,591.13 | 1 | XXXXX | $2,656.92 | XXXXX | $221.41 | 32.847% | 32.847% | 32.847% | 02/19/2026 | 811 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 6.130% | $0.00 | 5.0 | DU | ApproveEligible | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | Not Stated | XXXXX | XXXXX | 100.000% | 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 | 988.13 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118487 | XXXXX | Non QM | Yes | No | $3,160.00 | $8,554.44 | 7.512% | XXXXX | XXXXX | 8.658% | No | No | Self-Employed | Permanent Resident Alien | $15,141.25 | 1 | XXXXX | $2,156.52 | XXXXX | $179.71 | 46.459% | 39.968% | 46.459% | 02/20/2026 | 778 | 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]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $3,160.00 | 5.920% | $0.00 | 1.0 | None | Yes | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 22.670% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 4.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AO | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116344 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $2,049.00 | $6,433.81 | 6.899% | XXXXX | XXXXX | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $13,232.65 | 1 | XXXXX | $5,889.00 | XXXXX | $490.75 | 43.985% | 43.985% | 43.985% | 02/23/2026 | 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 - | 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 - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2023 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 1040 - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | Yes | XXXXX | $2,049.00 | 6.130% | $0.00 | LP / LPA | Accept/Ineligible | Yes | No | 6.875% | 0 | 0 | 2 | 0 | 0 | 0 | 0.00 | No | 240 | Not Stated | XXXXX | XXXXX | 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 | 495.61 | No | No | $11,938.35 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115999 | XXXXX | N/A | No | Yes | $0.00 | 6.746% | XXXXX | XXXXX | 6.750% | No | No | Non-Employment Income | US Citizen | $3,402.25 | 1 | XXXXX | $1,626.36 | XXXXX | $135.53 | 30.577% | 30.577% | 30.577% | 12/31/2025 | 806 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Interest / Dividends]; Other - 2026 [Borrower - | Primary Income - Interest / Dividends]; Other - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 35.110% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.34 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000346 | XXXXX | Non QM | Yes | No | $6,574.90 | $9,515.21 | 7.307% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | US Citizen | $2,898.67 | 1 | XXXXX | $7,065.96 | XXXXX | $588.83 | 46.884% | 46.884% | 46.884% | 01/15/2026 | 728 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Business License - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $6,574.90 | 6.880% | $0.00 | 1.0 | None | No | No | 7.000% | 0 | 0 | 0 | 4 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AH | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117002 | XXXXX | N/A | No | No | $54,210.00 | $13,279.69 | 6.644% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $57,723.43 | 1 | XXXXX | $1,800.00 | XXXXX | $150.00 | 28.203% | 28.203% | 28.203% | 02/09/2026 | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $54,210.00 | 6.130% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | 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 | 8.25 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115320 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $7,031.04 | XXXXX | $585.92 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | XXXXX | XXXXX | 57.710% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114067 | XXXXX | Non QM | Yes | No | $2,630.96 | $4,340.44 | 6.678% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $40,429.07 | 1 | XXXXX | $1,149.00 | XXXXX | $95.75 | 23.242% | 23.242% | 23.242% | 01/28/2025 | 777 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,630.96 | 6.140% | $0.00 | 3.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 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 | 621.61 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113278 | XXXXX | N/A | No | Yes | $0.00 | 6.632% | XXXXX | XXXXX | 6.625% | No | No | Employed | Employed | Employed | 6.94 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $26,180.32 | 1 | XXXXX | $2,079.96 | XXXXX | $173.33 | 26.812% | 26.812% | 26.812% | 02/13/2026 | 735 | 735 | 738 | 711 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | 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 - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 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 - 2024 [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]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.140% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | 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 | VISA | VISA | VISA | 26.81 | No | No | $0.00 | $23,577.50 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114633 | XXXXX | Non QM | Yes | No | $4,717.25 | $8,459.23 | 6.362% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | US Citizen | $5,719.96 | 1 | XXXXX | $3,153.00 | XXXXX | $262.75 | 49.352% | 49.352% | 49.352% | 01/20/2026 | 811 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; Paystubs - 2026 [Borrower - | Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $4,717.25 | 6.100% | $17,929.51 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 44.100% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 64.94 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117547 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,465.00 | $3,608.78 | 7.029% | XXXXX | XXXXX | 6.875% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $5,484.33 | 1 | XXXXX | $1,049.16 | XXXXX | $87.43 | 46.890% | 46.890% | 46.890% | 02/06/2026 | 790 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.100% | $4,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 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 | 587.06 | No | No | $2,197.43 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000428 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $48,998.04 | XXXXX | $4,083.17 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 701 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.22 | 0.45 | 360 | XXXXX | XXXXX | 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 | 51.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112590 | XXXXX | Non QM | Yes | No | $2,540.55 | $4,375.62 | 7.362% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $5,184.64 | 1 | XXXXX | $2,099.04 | XXXXX | $174.92 | 35.060% | 35.060% | 35.060% | 01/22/2026 | 721 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | No | XXXXX | $2,540.55 | 6.060% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116568 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.078% | XXXXX | XXXXX | 6.125% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $8,469.56 | 1 | XXXXX | $795.00 | XXXXX | $66.25 | 46.796% | 46.796% | 46.796% | 02/02/2026 | 798 | No | No | [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 - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2017 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2024 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.130% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.125% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 25 | 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 | 560.98 | No | No | $4,144.98 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117137 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $4,326.18 | $4,750.72 | 6.613% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | US Citizen | $4,851.05 | 1 | XXXXX | $675.48 | XXXXX | $56.29 | 39.978% | 39.978% | 39.978% | 01/22/2026 | 757 | No | No | [Borrower - |
Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; 1099-R - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,326.18 | 6.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 130.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117607 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,220.00 | $931.32 | 7.379% | XXXXX | XXXXX | 7.250% | No | No | Employed | US Citizen | $7,634.61 | 1 | XXXXX | $2,058.60 | XXXXX | $171.55 | 38.790% | 38.790% | 38.790% | 01/30/2026 | 784 | 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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,220.00 | 6.100% | $13,750.00 | 1.0 | DU | ApproveEligible | No | No | 7.250% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 23.170% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.95 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117086 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,370.00 | $4,784.21 | 6.326% | XXXXX | XXXXX | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $26,575.95 | 1 | XXXXX | $1,518.96 | XXXXX | $126.58 | 14.958% | 14.958% | 14.958% | 02/16/2026 | 779 | 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]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 6.100% | $0.00 | 3.6 | DU | ApproveEligible | No | No | 6.250% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 129.35 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118910 | XXXXX | Non QM | Yes | No | $7,755.00 | $11,454.11 | 6.893% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $16,854.18 | 1 | XXXXX | $2,655.96 | XXXXX | $221.33 | 28.155% | 26.184% | 28.155% | 01/26/2026 | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,755.00 | 6.020% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 360 | XXXXX | XXXXX | 3.050% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116899 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $1,206.96 | XXXXX | $100.58 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.26 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000469 | XXXXX | Non QM | Yes | No | $1,940.00 | $3,426.94 | 6.483% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $3,938.60 | 1 | XXXXX | $1,041.84 | XXXXX | $86.82 | 34.015% | 34.015% | 34.015% | 01/29/2026 | 781 | No | No | [Coborrower(s) - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Other - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,940.00 | 6.020% | $700.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 57.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.25 | Yes | No | $2,678.31 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116903 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 4 | XXXXX | $4,368.24 | XXXXX | $364.02 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 78.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122047 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $2,794.44 | XXXXX | $232.87 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 726 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.95 | 0.51 | XXXXX | 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 | 101.81 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115339 | XXXXX | N/A | No | Yes | $0.00 | 6.629% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $3,576.90 | 1 | XXXXX | $980.04 | XXXXX | $81.67 | 41.688% | 41.688% | 41.688% | 11/13/2025 | 760 | No | No | [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.100% | $0.00 | 1.2 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 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 | 40.43 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114709 | XXXXX | N/A | No | Yes | $0.00 | 6.576% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $52,858.61 | 1 | XXXXX | $1,153.32 | XXXXX | $96.11 | 17.576% | 17.576% | 17.576% | 01/28/2026 | 792 | 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]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.100% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 97.170% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 88.32 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117959 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $7,053.00 | XXXXX | $587.75 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 698 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.63 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118026 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $669.00 | XXXXX | $55.75 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.6 | XXXXX | XXXXX | 33.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 83.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115866 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $15,143.20 | $18,901.80 | 6.461% | XXXXX | XXXXX | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $19,530.57 | 1 | XXXXX | $4,800.24 | XXXXX | $400.02 | 44.760% | 44.760% | 44.760% | 02/06/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $15,143.20 | 6.100% | $0.00 | 4.4 | DU | ApproveEligible | No | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 61.010% | 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 | 66.35 | No | No | $0.00 | $4,291.66 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115523 | XXXXX | N/A | No | Yes | $0.00 | 6.382% | XXXXX | XXXXX | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $12,997.18 | 1 | XXXXX | $567.00 | XXXXX | $47.25 | 48.006% | 48.006% | 48.006% | 02/05/2026 | 804 | 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]; Vesting Schedule - 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]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.100% | $0.00 | 4.1 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 71.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119188 | XXXXX | N/A | No | Yes | $2,746.74 | $3,682.96 | 6.614% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | US Citizen | $11,489.53 | 1 | XXXXX | $942.96 | XXXXX | $78.58 | 26.884% | 26.884% | 26.884% | 12/15/2025 | 780 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 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]; 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 | No | XXXXX | $2,746.74 | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 3 | 2 | 0 | 3 | 2 | 12.00 | No | XXXXX | XXXXX | 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 | 156.39 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118891 | XXXXX | Non QM | Yes | No | $3,565.00 | $1,430.04 | 6.370% | XXXXX | XXXXX | 6.375% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $16,152.03 | 1 | XXXXX | $1,894.44 | XXXXX | $157.87 | 40.178% | 40.178% | 40.178% | 02/18/2026 | 791 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,565.00 | 5.990% | $12,000.00 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 31.300% | 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 | Employment Authorization | 0.02 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118611 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $1,662.96 | XXXXX | $138.58 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXXX | 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 | 92.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122513 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $4,041.72 | XXXXX | $336.81 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 742 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.6 | XXXXX | 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 | 20.12 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118585 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $821.16 | XXXXX | $68.43 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXXX | XXXXX | 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 | 169.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115710 | XXXXX | N/A | No | Yes | $0.00 | 6.214% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $33,921.39 | 1 | XXXXX | $600.72 | XXXXX | $50.06 | 41.301% | 41.301% | 41.301% | 12/05/2025 | 790 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 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 - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [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]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [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 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 5.980% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.250% | 0 | 0 | 1 | 0 | 3 | 0 | No | XXXXX | XXXXX | No | 12 | 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 | 115.72 | No | No | $242.00 | $57,304.43 | No | No | No | No | 10 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118860 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $1,989.00 | XXXXX | $165.75 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.56 | XXXXX | XXXXX | 65.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114274 | XXXXX | Non QM | Yes | No | $13,650.10 | $16,414.76 | 6.635% | XXXXX | XXXXX | 5.875% | No | No | Self-Employed | US Citizen | $6,890.54 | 1 | XXXXX | $710.04 | XXXXX | $59.17 | 49.929% | 49.929% | 49.929% | 01/22/2026 | 814 | 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]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $13,650.10 | 5.990% | $4,750.00 | 1.0 | None | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 44.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.78 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119016 | XXXXX | N/A | No | Yes | $0.00 | 6.464% | XXXXX | XXXXX | 6.500% | No | No | Employed | Employed | Not Employed | Not Employed | 0 | 0 | US Citizen | US Citizen | US Citizen | US Citizen | $11,735.76 | 2 | XXXXX | $1,546.56 | XXXXX | $128.88 | 45.449% | 45.449% | 45.449% | 02/12/2026 | 796 | 817 | 840 | 825 | 817 | 840 | 825 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 5.990% | $0.00 | LP / LPA | Accept/Eligible | No | No | 6.500% | 0 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | 17 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.68 | No | No | $0.00 | $9,926.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114086 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.375% | No | No | US Citizen | 1 | XXXXX | $617.04 | XXXXX | $51.42 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 641 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | XXXXX | 54.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.01 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116704 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,320.00 | $5,253.21 | 6.915% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $24,965.15 | 1 | XXXXX | $2,856.00 | XXXXX | $238.00 | 43.194% | 43.194% | 43.194% | 01/23/2026 | 757 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,320.00 | 6.130% | $0.00 | 2.3 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 24.770% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.02 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117361 | XXXXX | N/A | No | Yes | $0.00 | 6.093% | XXXXX | XXXXX | 6.125% | No | No | Employed | Employed | US Citizen | US Citizen | $10,244.46 | 1 | XXXXX | $1,842.96 | XXXXX | $153.58 | 46.468% | 46.468% | 46.468% | 02/17/2026 | 809 | 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 [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 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.100% | $0.00 | 1.6 | DU | ApproveEligible | Yes | No | 6.125% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.86 | No | No | $0.00 | $13,304.18 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123287 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,962.00 | XXXXX | $163.50 | 0.000% | 0.000% | 0.000% | 11/25/2025 | 762 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | 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 | 40.6 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121034 | XXXXX | Non QM | Yes | No | $8,145.00 | $9,879.82 | 6.402% | XXXXX | XXXXX | 6.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $18,722.03 | 1 | XXXXX | $2,228.04 | XXXXX | $185.67 | 41.119% | 41.119% | 41.119% | 03/03/2026 | 799 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $8,145.00 | 6.020% | $0.00 | 1.5 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 32.220% | 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 | 8.61 | Yes | No | $31,796.42 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116801 | XXXXX | N/A | No | Yes | $0.00 | 6.721% | XXXXX | XXXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $11,934.05 | 1 | XXXXX | $2,094.96 | XXXXX | $174.58 | 45.857% | 45.857% | 45.857% | 02/08/2026 | 753 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 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 - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.130% | $0.00 | 2.7 | LP / LPA | Accept/Eligible | No | No | 6.750% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 0 | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.01 | No | No | $0.00 | $7,041.66 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116036 | XXXXX | N/A | No | Yes | $0.00 | 6.888% | XXXXX | XXXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $23,206.40 | 1 | XXXXX | $7,871.28 | XXXXX | $655.94 | 33.969% | 33.969% | 33.969% | 03/09/2026 | 712 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 5.990% | $0.00 | 4.1 | DU | ApproveEligible | No | No | 6.750% | 1 | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 30.370% | 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 | 11.6 | No | No | $0.00 | $17,614.13 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117351 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,320.00 | $3,732.80 | 6.464% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $23,936.98 | 1 | XXXXX | $1,484.76 | XXXXX | $123.73 | 18.799% | 18.799% | 18.799% | 02/11/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,320.00 | 6.100% | $0.00 | 2.5 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 49.020% | No | 20 | 18 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.08 | No | No | $0.00 | $14,449.99 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121577 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | US Citizen | 1 | XXXXX | $3,529.08 | XXXXX | $294.09 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXXX | XXXXX | 70.090% | 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 | 33.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Other | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117468 | XXXXX | N/A | No | Yes | $0.00 | 6.864% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $9,320.13 | 2 | XXXXX | $1,614.96 | XXXXX | $134.58 | 45.018% | 45.018% | 45.018% | 03/05/2026 | 794 | 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 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.100% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 2 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.81 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116931 | XXXXX | N/A | No | Yes | $0.00 | 6.591% | XXXXX | XXXXX | 6.625% | No | No | Employed | Self-Employed | US Citizen | Permanent Resident Alien | $8,913.18 | 1 | XXXXX | $782.04 | XXXXX | $65.17 | 39.850% | 39.850% | 39.850% | 01/08/2026 | 768 | 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 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [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%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 68.460% | 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 | 51.68 | No | No | $4,318.25 | $0.00 | No | No | No | No | 2 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118657 | XXXXX | N/A | No | Yes | $0.00 | 6.591% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $4,708.48 | 1 | XXXXX | $869.64 | XXXXX | $72.47 | 46.946% | 46.946% | 46.946% | 02/25/2026 | 763 | 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 - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 5.990% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122068 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,614.44 | XXXXX | $217.87 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.6 | XXXXX | XXXXX | 40.500% | 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 | 8.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119295 | XXXXX | Non QM | Yes | No | $10,470.00 | $7,963.84 | 6.002% | XXXXX | XXXXX | 5.875% | No | No | Employed | US Citizen | $7,415.32 | 1 | XXXXX | $2,525.04 | XXXXX | $210.42 | 42.068% | 42.068% | 42.068% | 02/27/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,470.00 | 5.980% | $15,000.00 | None | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 47.940% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.73 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119526 | XXXXX | Non QM | Yes | No | $2,370.00 | $3,766.33 | 6.548% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $7,637.53 | 1 | XXXXX | $1,185.00 | XXXXX | $98.75 | 45.446% | 45.446% | 45.446% | 02/17/2026 | 725 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 5.980% | $0.00 | 3.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | 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 | No | 84.22 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119940 | XXXXX | Non QM | Yes | No | $7,935.00 | $11,616.69 | 7.779% | XXXXX | XXXXX | 8.673% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $10,264.66 | 1 | XXXXX | $3,144.48 | XXXXX | $262.04 | 43.023% | 41.454% | 43.023% | 02/25/2026 | 745 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,935.00 | 6.150% | $0.00 | 1.0 | None | N/A | No | 8.673% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 45.580% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 4.73 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121117 | XXXXX | Non QM | Yes | No | $21,642.00 | $6,520.10 | 7.836% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed | US Citizen | $33,164.05 | 1 | XXXXX | $2,891.40 | XXXXX | $240.95 | 23.500% | 23.500% | 23.500% | 01/15/2026 | 745 | 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]; Third Party Verification - 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 - | Primary Income - Bank Statements | % of Business Ownership: % | 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 | No | XXXXX | $21,642.00 | 6.020% | $0.00 | 2.5 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 100.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112387 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $1,445.04 | XXXXX | $120.42 | 0.000% | 0.000% | 0.000% | 01/19/2026 | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120381 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $2,796.00 | XXXXX | $233.00 | 0.000% | 0.000% | 0.000% | 03/13/2026 | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.54 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 179.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118893 | XXXXX | Non QM | Yes | No | $7,235.00 | $8,362.54 | 6.340% | XXXXX | XXXXX | 6.125% | No | No | Employed | US Citizen | $7,961.81 | 1 | XXXXX | $2,124.48 | XXXXX | $177.04 | 46.854% | 46.854% | 46.854% | 02/26/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,235.00 | 5.990% | $0.00 | 2.0 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.98 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119939 | XXXXX | Non QM | Yes | No | $2,715.00 | $6,403.99 | 6.463% | XXXXX | XXXXX | 6.375% | No | No | Employed | Permanent Resident Alien | $9,287.77 | 1 | XXXXX | $511.92 | XXXXX | $42.66 | 37.875% | 37.875% | 37.875% | 02/27/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 31.360% | No | 26 | 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 | 7.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120959 | XXXXX | Non QM | Yes | No | $8,970.00 | $9,849.46 | 6.457% | XXXXX | XXXXX | 6.250% | No | No | Employed | US Citizen | $6,101.55 | 1 | XXXXX | $2,131.56 | XXXXX | $177.63 | 37.739% | 37.739% | 37.739% | 03/08/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,970.00 | 6.020% | $5,000.00 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 26.560% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119240 | XXXXX | Non QM | Yes | No | $18,134.95 | $19,510.95 | 5.983% | XXXXX | XXXXX | 5.625% | No | No | Self-Employed | Permanent Resident Alien | $7,791.31 | 1 | XXXXX | $1,071.96 | XXXXX | $89.33 | 41.087% | 41.087% | 41.087% | 02/09/2026 | 723 | 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]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $18,134.95 | 5.990% | $34,489.95 | 1.0 | None | N/A | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 14.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 21.18 | Yes | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118892 | XXXXX | Non QM | Yes | No | $5,370.00 | $6,087.51 | 6.359% | XXXXX | XXXXX | 6.250% | No | No | Employed | Permanent Resident Alien | $7,600.31 | 1 | XXXXX | $1,161.96 | XXXXX | $96.83 | 40.447% | 40.447% | 40.447% | 02/09/2026 | 756 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,370.00 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | Resident Alien Card | No | 2.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122102 | XXXXX | Non QM | Yes | No | $24,808.00 | $25,671.34 | 7.212% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | US Citizen | $18,572.12 | 1 | XXXXX | $3,206.52 | XXXXX | $267.21 | 42.392% | 42.392% | 42.392% | 01/23/2026 | 698 | 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]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $24,808.00 | 6.120% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117342 | XXXXX | Higher Priced QM (APOR) | Yes | Yes | $5,229.75 | $6,311.73 | 8.203% | XXXXX | XXXXX | 7.500% | No | No | Employed | Permanent Resident Alien | $6,706.51 | 1 | XXXXX | $2,637.96 | XXXXX | $219.83 | 40.813% | 40.813% | 40.813% | 02/12/2026 | 697 | 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,229.75 | 6.100% | $23,000.00 | 2.0 | DU | ApproveEligible | No | No | 7.500% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 59.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 71.66 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119276 | XXXXX | Non QM | Yes | No | $5,251.00 | $5,688.30 | 6.382% | XXXXX | XXXXX | 6.125% | No | No | Employed | Permanent Resident Alien | $3,940.69 | 1 | XXXXX | $788.16 | XXXXX | $65.68 | 42.049% | 42.049% | 42.049% | 02/12/2026 | 701 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,251.00 | 5.980% | $4,800.00 | 1.0 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 53.430% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 24.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122011 | XXXXX | Non QM | Yes | No | $2,595.40 | $4,729.66 | 6.738% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $4,184.95 | 1 | XXXXX | $1,409.88 | XXXXX | $117.49 | 48.576% | 48.576% | 48.576% | 03/02/2026 | 780 | 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]; 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 - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,595.40 | 6.120% | $9,500.00 | 1.8 | None | Yes | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 56.310% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 56.8 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118775 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.725% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $3,044.22 | 1 | XXXXX | $1,305.48 | XXXXX | $108.79 | 25.989% | 25.989% | 25.989% | 02/08/2026 | 766 | 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 - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 5.990% | $0.00 | 1.3 | LP / LPA | Accept/Eligible | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 24.630% | 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 | 6.85 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120089 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $18,073.00 | $21,339.20 | 7.084% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXXX | $7,719.11 | 1 | XXXXX | $2,852.04 | XXXXX | $237.67 | 42.032% | 42.032% | 42.032% | 01/09/2026 | 765 | 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]; P&L Statement - 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 CPA P&L | 0 | 0 | 0 | No | XXXXX | $18,073.00 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 19.360% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 12.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121489 | XXXXX | Non QM | Yes | No | $5,125.00 | $5,607.10 | 6.578% | XXXXX | XXXXX | 6.375% | No | No | Employed | Permanent Resident Alien | $10,797.71 | 1 | XXXXX | $2,849.04 | XXXXX | $237.42 | 32.514% | 32.514% | 32.514% | 03/09/2026 | 708 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,125.00 | 6.020% | $895.00 | 1.3 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 34.320% | No | 26 | 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 | 1.91 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121215 | XXXXX | Non QM | Yes | No | $2,565.00 | $5,436.03 | 6.343% | XXXXX | XXXXX | 6.250% | No | No | Employed | US Citizen | $8,771.54 | 1 | XXXXX | $1,916.16 | XXXXX | $159.68 | 37.346% | 37.346% | 37.346% | 03/05/2026 | 796 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 33.710% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122442 | XXXXX | Non QM | Yes | No | $1,995.00 | $6,123.00 | 6.674% | XXXXX | XXXXX | 6.625% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $64,274.55 | 1 | XXXXX | $2,609.40 | XXXXX | $217.45 | 31.223% | 31.223% | 31.223% | 03/10/2026 | 795 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $1,995.00 | 6.120% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 27.210% | 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 | 58.92 | No | No | $93,453.46 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122152 | XXXXX | N/A | No | No | $15,670.00 | $8,908.47 | 6.726% | XXXXX | XXXXX | 6.500% | No | No | Employed | Permanent Resident Alien | $7,828.23 | 1 | XXXXX | $726.00 | XXXXX | $60.50 | 43.601% | 43.601% | 43.601% | 03/02/2026 | 746 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $15,670.00 | 6.120% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 11.030% | No | 26 | 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 | 13.63 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120740 | XXXXX | N/A | No | Yes | $0.00 | 7.099% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | US Citizen | $6,517.01 | 1 | XXXXX | $582.00 | XXXXX | $48.50 | 33.105% | 33.105% | 33.105% | 02/27/2026 | 749 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.020% | $2,765.00 | 3.0 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 2 | 0 | 2 | 3 | 12.00 | No | XXXXX | XXXXX | 50.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113423 | XXXXX | N/A | No | No | $107,662.25 | $56,861.21 | 7.921% | XXXXX | XXXXX | 7.625% | No | No | Not Employed | Self-Employed | US Citizen | $61,987.81 | 1 | XXXXX | $9,765.00 | XXXXX | $813.75 | 36.396% | 36.396% | 36.396% | 01/12/2026 | 772 | No | Yes | 12 | Business | 100.000% | 97.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 97.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 97.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 97.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 97.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 97.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2019 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $107,662.25 | 6.140% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | 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 | 48.99 | No | No | $97,458.31 | $0.00 | No | No | No | No | 3 | 360 | AH | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119607 | XXXXX | N/A | No | Yes | $2,370.00 | $4,445.58 | 6.365% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | US Citizen | $12,578.88 | 1 | XXXXX | $1,050.12 | XXXXX | $87.51 | 29.044% | 29.044% | 29.044% | 02/09/2026 | 798 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 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%)]; 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%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 5.980% | $0.00 | 1.3 | DU | ApproveEligible | Yes | No | 6.250% | 2 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 70.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.62 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114473 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $3,078.20 | $5,810.94 | 6.437% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $63,628.17 | 1 | XXXXX | $1,923.48 | XXXXX | $160.29 | 18.474% | 18.474% | 18.474% | 01/29/2026 | 812 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; VVOE - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,078.20 | 6.100% | $0.00 | 1.5 | DU | ApproveEligible | No | No | 6.375% | 0 | 2 | 0 | 3 | 0 | No | Not Stated | XXXXX | XXXXX | 91.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 89.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121640 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.465% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $743.04 | XXXXX | $61.92 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 816 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.465% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXXX | XXXXX | 51.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117960 | XXXXX | N/A | No | Yes | $2,370.00 | $4,178.50 | 6.975% | XXXXX | XXXXX | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $14,991.57 | 1 | XXXXX | $1,162.92 | XXXXX | $96.91 | 32.629% | 32.629% | 32.629% | 02/13/2026 | 777 | 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 - 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 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 6.100% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 31.250% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.69 | No | No | $0.00 | $12,666.77 | No | No | No | No | 2 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117249 | XXXXX | N/A | No | Yes | $0.00 | 6.104% | XXXXX | XXXXX | 6.125% | No | No | Self-Employed | US Citizen | $10,679.09 | 2 | XXXXX | $2,553.96 | XXXXX | $212.83 | 47.518% | 47.518% | 47.518% | 02/05/2026 | 772 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 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%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.100% | $0.00 | DU | ApproveEligible | N/A | No | 6.125% | 1 | 1 | 0 | 2 | 1 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 126.88 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119251 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $795.00 | XXXXX | $66.25 | 0.000% | 0.000% | 0.000% | 02/14/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.6 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | XXXXX | 84.670% | 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 | 88.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122018 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,127.04 | XXXXX | $93.92 | 0.000% | 0.000% | 0.000% | 03/13/2026 | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.59 | XXXXX | 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 | 100.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121883 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,571.04 | XXXXX | $130.92 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 776 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | 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 | 188.74 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123127 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 2 | XXXXX | $3,099.96 | XXXXX | $258.33 | 0.000% | 0.000% | 0.000% | 03/12/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | XXXXX | 79.660% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 181.87 | Yes | 15.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118218 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $1,840.00 | $3,421.06 | 6.736% | XXXXX | XXXXX | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,185.04 | 1 | XXXXX | $1,773.96 | XXXXX | $147.83 | 37.175% | 37.175% | 37.175% | 01/27/2026 | 806 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,840.00 | 6.140% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.625% | 1 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | XXXXX | XXXXX | 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 | 495.03 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123917 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $4,752.00 | XXXXX | $396.00 | 0.000% | 0.000% | 0.000% | 12/04/2025 | 803 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 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 | 107.13 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119126 | XXXXX | Non QM | Yes | No | $28,815.00 | $32,731.89 | 6.587% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $260,709.14 | 1 | XXXXX | $6,372.00 | XXXXX | $531.00 | 15.778% | 15.778% | 15.778% | 02/27/2026 | 766 | 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]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $28,815.00 | 5.990% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 26.00 | No | XXXXX | XXXXX | 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 | 41.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119115 | XXXXX | Non QM | Yes | No | $11,190.00 | $15,132.74 | 6.374% | XXXXX | XXXXX | 6.125% | No | No | Self-Employed | US Citizen | $20,197.96 | 1 | XXXXX | $228.96 | XXXXX | $19.08 | 41.481% | 41.481% | 41.481% | 02/11/2026 | 773 | 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]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $11,190.00 | 6.430% | $0.00 | 1.0 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.83 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121613 | XXXXX | Non QM | Yes | No | $2,715.00 | $7,657.95 | 7.698% | XXXXX | XXXXX | 8.672% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $6,277.63 | 1 | XXXXX | $1,605.00 | XXXXX | $133.75 | 40.213% | 38.100% | 40.213% | 02/10/2026 | 790 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,715.00 | 6.150% | $2,000.00 | 1.1 | None | N/A | No | 8.672% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 14.670% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119447 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,395.96 | XXXXX | $116.33 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXXX | XXXXX | 55.190% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122070 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $4,520.04 | XXXXX | $376.67 | 0.000% | 0.000% | 0.000% | 03/12/2026 | 762 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.7 | 1.43 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 267.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118251 | XXXXX | N/A | No | Yes | $0.00 | 6.983% | XXXXX | XXXXX | 7.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $4,164.31 | 1 | XXXXX | $1,201.44 | XXXXX | $100.12 | 37.535% | 37.535% | 37.535% | 02/18/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | 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 - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 5.980% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.000% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 20 | 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 | 6.67 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121469 | XXXXX | Non QM | Yes | No | $14,349.00 | $20,268.46 | 7.774% | XXXXX | XXXXX | 7.500% | No | No | Employed | Permanent Resident Alien | $7,349.15 | 1 | XXXXX | $1,614.96 | XXXXX | $134.58 | 49.353% | 49.353% | 49.353% | 02/17/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $14,349.00 | 6.120% | $30,000.00 | 2.1 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 3.080% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 4.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118505 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,465.00 | $3,941.79 | 6.639% | XXXXX | XXXXX | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $9,970.52 | 1 | XXXXX | $5,659.44 | XXXXX | $471.62 | 44.530% | 44.530% | 44.530% | 02/24/2026 | 696 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 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]; 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 - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 5.990% | $0.00 | 1.6 | DU | ApproveEligible | No | No | 6.500% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 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 | 63.32 | No | No | $0.00 | $12,141.20 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119341 | XXXXX | N/A | No | Yes | $0.00 | 6.611% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,952.89 | 1 | XXXXX | $1,293.48 | XXXXX | $107.79 | 29.789% | 29.789% | 29.789% | 02/20/2026 | 749 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 0 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 100.000% | 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 | 853.29 | No | No | $0.00 | $7,352.68 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123350 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,230.00 | XXXXX | $102.50 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 787 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.29 | XXXXX | XXXXX | 75.070% | No | Yes | Commitment | 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 | 80.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123434 | XXXXX | Non QM | Yes | No | $2,365.00 | $5,981.85 | 6.503% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | Employed | US Citizen | Permanent Resident Alien | $24,465.96 | 1 | XXXXX | $2,410.80 | XXXXX | $200.90 | 35.012% | 35.012% | 35.012% | 03/11/2026 | 814 | 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]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,365.00 | 6.220% | $0.00 | 1.2 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 26.00 | No | XXXXX | XXXXX | No | 6 | 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 | 5.75 | No | No | $0.00 | $15,020.83 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120610 | XXXXX | Non QM | Yes | No | $6,903.65 | $11,379.69 | 6.458% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $7,961.73 | 1 | XXXXX | $5,294.04 | XXXXX | $441.17 | 48.634% | 48.634% | 48.634% | 02/06/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,903.65 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121378 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,155.86 | 6.507% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | US Citizen | $18,014.69 | 1 | XXXXX | $4,391.76 | XXXXX | $365.98 | 49.975% | 49.975% | 49.975% | 03/18/2026 | 807 | 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 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.580% | $9,000.00 | 3.7 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 684.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123745 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.499% | No | No | US Citizen | 1 | XXXXX | $1,729.32 | XXXXX | $144.11 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 707 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.29 | XXXXX | XXXXX | 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 | 60.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120429 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.580% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $7,624.08 | 1 | XXXXX | $2,199.00 | XXXXX | $183.25 | 42.224% | 42.224% | 42.224% | 03/03/2026 | 759 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-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]; W-2 - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.250% | 0 | 1 | 1 | 0 | 3 | 1 | No | XXXXX | XXXXX | 27.460% | 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 | 12.34 | No | No | $0.00 | $6,640.84 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118944 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,320.00 | $2,667.26 | 6.409% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,358.48 | 1 | XXXXX | $1,002.24 | XXXXX | $83.52 | 18.822% | 18.822% | 18.822% | 02/23/2026 | 809 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Borrower - | Primary Income - VA Service Related Disability]; Other - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,320.00 | 5.990% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 136.99 | No | No | $3,732.50 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123494 | XXXXX | Non QM | Yes | No | $20,402.00 | $10,698.13 | 7.169% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | US Citizen | $18,383.30 | 1 | XXXXX | $3,657.60 | XXXXX | $304.80 | 43.610% | 43.610% | 43.610% | 03/17/2026 | 804 | 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]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $20,402.00 | 6.220% | $10,000.00 | 1.1 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 34.060% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122092 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,042.56 | XXXXX | $86.88 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.69 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121159 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $11,147.04 | XXXXX | $928.92 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 107.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122223 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $1,190.04 | XXXXX | $99.17 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 701 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | 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 | 9.65 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118941 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.491% | XXXXX | XXXXX | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $17,545.54 | 1 | XXXXX | $1,299.96 | XXXXX | $108.33 | 33.323% | 33.323% | 33.323% | 02/27/2026 | 787 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; VVOE - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 5.990% | $400.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 0 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 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 | 125.7 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123791 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.990% | No | No | US Citizen | 1 | XXXXX | $1,072.08 | XXXXX | $89.34 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124045 | XXXXX | Non QM | Yes | No | $5,595.00 | $6,796.75 | 6.599% | XXXXX | XXXXX | 6.125% | No | No | Employed | US Citizen | $5,679.33 | 1 | XXXXX | $1,185.96 | XXXXX | $98.83 | 36.896% | 36.896% | 36.896% | 02/11/2026 | 792 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $5,595.00 | 5.870% | $0.00 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 58.980% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117387 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | US Citizen | 1 | XXXXX | $4,098.84 | XXXXX | $341.57 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | XXXXX | XXXXX | 3.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 73.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121033 | XXXXX | Non QM | Yes | No | $7,065.00 | $9,222.22 | 6.653% | XXXXX | XXXXX | 6.250% | No | No | Employed | Permanent Resident Alien | $3,990.15 | 1 | XXXXX | $614.04 | XXXXX | $51.17 | 33.498% | 33.498% | 33.498% | 02/24/2026 | 772 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,065.00 | 6.020% | $0.00 | 2.6 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 21.190% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121326 | XXXXX | Non QM | Yes | No | $7,510.00 | $5,502.50 | 6.458% | XXXXX | XXXXX | 6.375% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $6,451.31 | 1 | XXXXX | $2,137.56 | XXXXX | $178.13 | 40.772% | 40.772% | 40.772% | 03/11/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,510.00 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 0.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119315 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.000% | No | No | US Citizen | 1 | XXXXX | $1,155.12 | XXXXX | $96.26 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | 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 | 118.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123788 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 2 | XXXXX | $987.00 | XXXXX | $82.25 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.53 | XXXXX | XXXXX | 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 | 3.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121892 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 4 | XXXXX | $4,419.00 | XXXXX | $368.25 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | 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 | 73.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119204 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 2 | XXXXX | $2,747.04 | XXXXX | $228.92 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.53 | XXXXX | XXXXX | 35.300% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121381 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 4 | XXXXX | $2,703.00 | XXXXX | $225.25 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | XXXXX | XXXXX | 32.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121488 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $2,492.52 | XXXXX | $207.71 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 3 | 0.33 | XXXXX | XXXXX | 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 | 62.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121890 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,670.04 | XXXXX | $139.17 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | 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 | 91.13 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122863 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $920.04 | XXXXX | $76.67 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 3.140% | 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 | 65.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121888 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 4 | XXXXX | $3,938.28 | XXXXX | $328.19 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | 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 | 90.79 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121280 | XXXXX | Non QM | Yes | No | $2,565.00 | $9,286.92 | 6.613% | XXXXX | XXXXX | 6.500% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $7,043.02 | 1 | XXXXX | $1,152.60 | XXXXX | $96.05 | 45.823% | 45.823% | 45.823% | 03/10/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.020% | $16,799.96 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 5.580% | No | 26 | 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 | 3.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122873 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,761.10 | 6.535% | XXXXX | XXXXX | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $25,522.46 | 1 | XXXXX | $1,789.80 | XXXXX | $149.15 | 23.419% | 23.419% | 23.419% | 03/25/2026 | 811 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.220% | $0.00 | 2.4 | None | No | No | 6.500% | 3 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 53.320% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 30.35 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121733 | XXXXX | Non QM | Yes | No | $6,248.50 | $7,476.45 | 6.662% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $5,164.39 | 1 | XXXXX | $3,122.04 | XXXXX | $260.17 | 39.243% | 39.243% | 39.243% | 03/13/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,248.50 | 6.020% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123248 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $1,335.00 | XXXXX | $111.25 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 123.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122752 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | 0 | 0 | Permanent Resident Alien | Permanent Resident Alien | 1 | XXXXX | $3,257.04 | XXXXX | $271.42 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 784 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 46.150% | No | Yes | Commitment | 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 | 31.53 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124299 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $1,553.16 | XXXXX | $129.43 | 0.000% | 0.000% | 0.000% | 02/27/2026 | 773 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | 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 | 26.01 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124087 | XXXXX | Non QM | Yes | No | $7,415.00 | $12,073.76 | 6.684% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | US Citizen | $7,510.73 | 1 | XXXXX | $967.80 | XXXXX | $80.65 | 28.943% | 28.943% | 28.943% | 03/06/2026 | 812 | 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]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $7,415.00 | 6.430% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 79.080% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123213 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,511.88 | XXXXX | $125.99 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | 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 | 210.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122885 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 4 | XXXXX | $2,883.36 | XXXXX | $240.28 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121880 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 4 | XXXXX | $5,331.00 | XXXXX | $444.25 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | XXXXX | XXXXX | 32.460% | 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 | 27.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118922 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,270.00 | $3,381.80 | 6.412% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $9,513.51 | 1 | XXXXX | $839.04 | XXXXX | $69.92 | 33.887% | 33.887% | 33.887% | 02/27/2026 | 751 | Yes | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 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 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.020% | $4,912.50 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | Not Stated | XXXXX | XXXXX | 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 | 925.86 | No | No | $3,322.80 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121528 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $930.00 | XXXXX | $77.50 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.94 | 0.52 | XXXXX | 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 | 84.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123131 | XXXXX | Non QM | Yes | No | $11,545.00 | $13,482.10 | 7.707% | XXXXX | XXXXX | 7.375% | No | No | Employed | US Citizen | $6,331.39 | 1 | XXXXX | $2,529.96 | XXXXX | $210.83 | 49.034% | 49.034% | 49.034% | 02/19/2026 | 755 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,545.00 | 6.020% | $101,465.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 10.850% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 7.87 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122516 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $734.52 | XXXXX | $61.21 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 779 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | 240 | XXXXX | XXXXX | 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 | 126.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124786 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $0.00 | XXXXX | $0.00 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | 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 | 118.21 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125363 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $10,460.00 | $14,427.00 | 8.549% | XXXXX | XXXXX | 8.250% | No | No | Employed | US Citizen | $7,763.27 | 1 | XXXXX | $635.04 | XXXXX | $52.92 | 38.870% | 38.870% | 38.870% | 03/12/2026 | 700 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,460.00 | 6.120% | $0.00 | 1.0 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 165.31 | Yes | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123555 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $6,779.04 | XXXXX | $564.92 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 100.000% | 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 | 318.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122761 | XXXXX | N/A | No | No | $41,283.75 | $9,696.43 | 7.407% | XXXXX | XXXXX | 7.375% | No | No | Employed | US Citizen | $25,931.09 | 1 | XXXXX | $1,998.96 | XXXXX | $166.58 | 47.437% | 47.437% | 47.437% | 02/19/2026 | 749 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $41,283.75 | 6.120% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123885 | XXXXX | Non QM | Yes | No | $10,748.13 | $7,329.96 | 6.683% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | US Citizen | $5,105.11 | 1 | XXXXX | $1,614.00 | XXXXX | $134.50 | 34.790% | 34.790% | 34.790% | 03/23/2026 | 731 | 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 - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $10,748.13 | 6.430% | $10,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 251.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123905 | XXXXX | Non QM | Yes | No | $7,658.89 | $11,136.55 | 7.045% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $7,411.11 | 1 | XXXXX | $1,263.00 | XXXXX | $105.25 | 38.241% | 38.241% | 38.241% | 03/31/2026 | 761 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,658.89 | 6.430% | $20,000.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 19.920% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121216 | XXXXX | Non QM | Yes | No | $6,515.00 | $3,544.50 | 6.112% | XXXXX | XXXXX | 6.000% | No | No | Employed | US Citizen | $5,581.19 | 1 | XXXXX | $2,316.00 | XXXXX | $193.00 | 34.339% | 34.339% | 34.339% | 03/11/2026 | 763 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,515.00 | 6.020% | $9,117.59 | 1.0 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 75.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119320 | XXXXX | Safe Harbor QM (APOR) | Yes | Yes | $2,370.00 | $3,132.99 | 6.883% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $10,163.96 | 1 | XXXXX | $1,725.00 | XXXXX | $143.75 | 30.050% | 30.050% | 30.050% | 02/19/2026 | 804 | 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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 5.980% | $10,000.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | XXXXX | XXXXX | 20.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.5 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117957 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 7.067% | XXXXX | XXXXX | 7.125% | No | No | Employed | US Citizen | $5,392.62 | 1 | XXXXX | $600.96 | XXXXX | $50.08 | 40.561% | 40.561% | 40.561% | 01/28/2026 | 749 | 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]; Paystubs - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.100% | $2,650.00 | 2.6 | DU | ApproveEligible | Yes | No | 7.125% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 32.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.2 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122023 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,332.00 | XXXXX | $111.00 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 680 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123033 | XXXXX | Non QM | Yes | No | $1,640.00 | $9,889.05 | 6.548% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $13,997.92 | 1 | XXXXX | $3,596.04 | XXXXX | $299.67 | 44.217% | 44.217% | 44.217% | 03/24/2026 | 799 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.220% | $0.00 | 2.7 | None | Yes | No | 6.500% | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 156.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113983 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | Non-Employment Income | Permanent Resident Alien | 1 | XXXXX | $2,796.72 | XXXXX | $233.06 | 0.000% | 0.000% | 0.000% | 08/29/2025 | 789 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.6 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.48 | 2.1 | 60 | XXXXX | XXXXX | 49.490% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.4 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121846 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.125% | No | No | US Citizen | 1 | XXXXX | $1,332.96 | XXXXX | $111.08 | 0.000% | 0.000% | 0.000% | 02/15/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | XXXXX | XXXXX | 64.320% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 51.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123170 | XXXXX | Non QM | Yes | No | $11,246.25 | $15,207.47 | 6.666% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $7,480.74 | 1 | XXXXX | $1,655.04 | XXXXX | $137.92 | 39.660% | 39.660% | 39.660% | 03/13/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,246.25 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.220% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.03 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122124 | XXXXX | Non QM | Yes | No | $14,770.00 | $21,845.05 | 7.568% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $40,481.54 | 1 | XXXXX | $6,150.60 | XXXXX | $512.55 | 31.464% | 31.464% | 31.464% | 03/16/2026 | 780 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $14,770.00 | 6.120% | $0.00 | 3.4 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 17.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.09 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123889 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.625% | No | No | US Citizen | 1 | XXXXX | $1,398.60 | XXXXX | $116.55 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 716 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | 0.56 | XXXXX | 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 | 95.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124035 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | Permanent Resident Alien | 1 | XXXXX | $1,713.00 | XXXXX | $142.75 | 0.000% | 0.000% | 0.000% | 04/03/2026 | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.8 | XXXXX | XXXXX | 0.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123171 | XXXXX | Non QM | Yes | No | $5,520.00 | $9,199.10 | 6.630% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $8,453.06 | 1 | XXXXX | $0.00 | XXXXX | $0.00 | 29.558% | 29.558% | 29.558% | 03/17/2026 | 787 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,520.00 | 6.220% | $0.00 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 75.820% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 66.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122896 | XXXXX | Non QM | Yes | No | $2,695.00 | $3,870.99 | 6.733% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | US Citizen | $3,704.96 | 1 | XXXXX | $1,365.00 | XXXXX | $113.75 | 45.519% | 45.519% | 45.519% | 04/02/2026 | 815 | 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]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $2,695.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 74.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.23 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121738 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $3,806.88 | XXXXX | $317.24 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 736 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO 9 | FICO 9 | FICO 9 | No | 3.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122698 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $879.96 | XXXXX | $73.33 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.26 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 133.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122988 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 2 | XXXXX | $2,427.96 | XXXXX | $202.33 | 0.000% | 0.000% | 0.000% | 02/27/2026 | 798 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | 80.520% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120624 | XXXXX | Non QM | Yes | No | $8,517.50 | $9,458.72 | 6.930% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $3,266.74 | 1 | XXXXX | $991.92 | XXXXX | $82.66 | 45.554% | 45.554% | 45.554% | 02/26/2026 | 709 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,517.50 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124788 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $2,157.12 | XXXXX | $179.76 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 680 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | 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 | 129.46 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125928 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 3 | XXXXX | $3,202.08 | XXXXX | $266.84 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.76 | 0.57 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124487 | XXXXX | Non QM | Yes | No | $13,913.50 | $17,218.90 | 8.892% | XXXXX | XXXXX | 8.500% | No | No | Self-Employed | US Citizen | $8,660.73 | 1 | XXXXX | $1,405.32 | XXXXX | $117.11 | 33.379% | 33.379% | 33.379% | 01/30/2026 | 702 | 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]; 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 |
Alternative Documentation (A) | 12mo CPA P&L | 1 | 0 | 0 | No | XXXXX | $13,913.50 | 6.220% | $0.00 | 1.0 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | 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 | 19.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122635 | XXXXX | Non QM | Yes | No | $2,465.00 | $9,689.44 | 7.027% | XXXXX | XXXXX | 7.000% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $29,619.14 | 1 | XXXXX | $1,655.04 | XXXXX | $137.92 | 46.052% | 46.052% | 46.052% | 03/13/2026 | 796 | 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 - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.120% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 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 | 257.24 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124104 | XXXXX | Non QM | Yes | No | $9,855.00 | $17,766.06 | 6.730% | XXXXX | XXXXX | 6.500% | No | No | Employed | Permanent Resident Alien | $9,558.41 | 1 | XXXXX | $1,773.00 | XXXXX | $147.75 | 37.971% | 37.971% | 37.971% | 02/25/2026 | 765 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,855.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 2.880% | No | 26 | 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 | 0.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123937 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | US Citizen | 1 | XXXXX | $1,261.08 | XXXXX | $105.09 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 798 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123321 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 2 | XXXXX | $1,202.04 | XXXXX | $100.17 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.54 | XXXXX | XXXXX | 35.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123265 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | US Citizen | 1 | XXXXX | $783.96 | XXXXX | $65.33 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXXX | XXXXX | 20.470% | 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 | 47.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126202 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.749% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,467.96 | XXXXX | $122.33 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.5 | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | 240 | XXXXX | 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 | 16.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121956 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $2,004.96 | XXXXX | $167.08 | 0.000% | 0.000% | 0.000% | 03/16/2026 | 816 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122115 | XXXXX | Non QM | Yes | No | $2,165.00 | $3,386.35 | 6.958% | XXXXX | XXXXX | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $15,125.97 | 1 | XXXXX | $2,583.00 | XXXXX | $215.25 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 790 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $2,165.00 | 6.120% | $6,946.75 | 1.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | 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 | 435.07 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123331 | XXXXX | Non QM | Yes | No | $15,805.00 | $17,774.22 | 8.009% | XXXXX | XXXXX | 7.625% | No | No | Employed | Permanent Resident Alien | $5,914.36 | 1 | XXXXX | $1,391.52 | XXXXX | $115.96 | 39.027% | 39.027% | 39.027% | 03/03/2026 | 762 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $15,805.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124634 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $10,272.12 | XXXXX | $856.01 | 0.000% | 0.000% | 0.000% | 01/19/2026 | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.7 | 1.44 | XXXXX | 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 | 201.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126100 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,173.96 | XXXXX | $97.83 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | 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 | 27.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122019 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $683.16 | XXXXX | $56.93 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 747 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | XXXXX | 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 | 37.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124563 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $1,466.04 | XXXXX | $122.17 | 0.000% | 0.000% | 0.000% | 12/26/2025 | 817 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 49.580% | 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 | 10.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125923 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $12,603.96 | XXXXX | $1,050.33 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 771 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | 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 | 131.75 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126077 | XXXXX | N/A | No | No | $26,258.00 | $9,062.16 | 6.054% | XXXXX | XXXXX | 5.875% | No | No | Not Employed | Self-Employed | Non-Employment Income | 0 | US Citizen | US Citizen | $9,337.96 | 1 | XXXXX | $1,209.96 | XXXXX | $100.83 | 43.210% | 43.210% | 43.210% | 02/25/2026 | 781 | Level 2-Stated/Not Verified | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - |
Non-Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $26,258.00 | 5.990% | $0.00 | 1.0 | None | No | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 87.06 | No | No | $16,443.07 | $0.00 | No | No | No | No | 4 | 360 | VE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124982 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 3 | XXXXX | $3,843.00 | XXXXX | $320.25 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | 240 | XXXXX | XXXXX | 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 | 709.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126481 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $713.40 | XXXXX | $59.45 | 0.000% | 0.000% | 0.000% | 11/18/2025 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 267.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125740 | XXXXX | Non QM | Yes | No | $10,550.00 | $14,659.37 | 7.706% | XXXXX | XXXXX | 7.625% | No | No | Employed | Permanent Resident Alien | $15,251.84 | 1 | XXXXX | $560.04 | XXXXX | $46.67 | 49.161% | 49.161% | 49.161% | 04/02/2026 | 723 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,550.00 | 6.370% | $0.00 | 1.2 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 26 | 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 | 6.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121529 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.599% | No | No | US Citizen | 1 | XXXXX | $1,905.00 | XXXXX | $158.75 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 8.599% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.87 | 0.54 | XXXXX | XXXXX | 7.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123456 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 2 | XXXXX | $1,925.04 | XXXXX | $160.42 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.96 | 0.51 | XXXXX | XXXXX | 32.380% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122587 | XXXXX | Non QM | Yes | No | $89,161.50 | $117,465.64 | 6.864% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $46,797.65 | 1 | XXXXX | $4,850.04 | XXXXX | $404.17 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $89,161.50 | 6.120% | $0.00 | 2.9 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 384.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123162 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $3,405.96 | XXXXX | $283.83 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124802 | XXXXX | Non QM | Yes | No | $9,925.00 | $11,709.50 | 6.573% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXXX | $7,104.08 | 1 | XXXXX | $5,981.40 | XXXXX | $498.45 | 40.775% | 40.775% | 40.775% | 03/26/2026 | 705 | 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]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $9,925.00 | 6.430% | $5,000.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 45.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 4.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126360 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $2,163.72 | XXXXX | $180.31 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 774 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 32.650% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.11 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126361 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $3,372.96 | XXXXX | $281.08 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 792 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.85 | 0.35 | XXXXX | 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 | 114.26 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122026 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,308.96 | XXXXX | $109.08 | 0.000% | 0.000% | 0.000% | 03/10/2026 | 817 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 447 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125600 | XXXXX | Non QM | Yes | No | $12,318.26 | $3,202.71 | 7.282% | XXXXX | XXXXX | 7.639% | No | No | Self-Employed | Permanent Resident Alien | $6,941.63 | 1 | XXXXX | $1,455.96 | XXXXX | $121.33 | 37.394% | 35.396% | 37.394% | 03/16/2026 | 792 | No | No | Third Party Prepared | [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 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $12,318.26 | 6.100% | $1,680.50 | 1.8 | None | N/A | No | 7.639% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 49.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 26.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125470 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 3 | XXXXX | $1,722.96 | XXXXX | $143.58 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 721 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | XXXXX | 35.090% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.47 | Yes | 15.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123315 | XXXXX | Non QM | Yes | No | $1,990.00 | $12,524.60 | 7.049% | XXXXX | XXXXX | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $22,093.65 | 1 | XXXXX | $4,120.68 | XXXXX | $343.39 | 41.763% | 41.763% | 41.763% | 03/26/2026 | 702 | 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]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,990.00 | 6.220% | $5,948.00 | 1.0 | None | Yes | No | 7.000% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 65.060% | 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 | 63.1 | Yes | No | $0.00 | $14,583.34 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126093 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $2,268.96 | XXXXX | $189.08 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | XXXXX | 5.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.41 | Yes | 15.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122279 | XXXXX | Non QM | Yes | No | $11,498.00 | $8,857.64 | 7.454% | XXXXX | XXXXX | 7.250% | No | No | Employed | US Citizen | $4,305.20 | 1 | XXXXX | $4,628.76 | XXXXX | $385.73 | 47.942% | 47.942% | 47.942% | 03/12/2026 | 763 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,498.00 | 6.120% | $75,000.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 5.050% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000572 | XXXXX | Non QM | Yes | No | $2,065.00 | $7,011.55 | 6.645% | XXXXX | XXXXX | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $64,551.27 | 1 | XXXXX | $14,625.00 | XXXXX | $1,218.75 | 38.608% | 38.608% | 38.608% | 03/12/2026 | 790 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $2,065.00 | 6.430% | $0.00 | 2.7 | None | No | No | 6.625% | 2 | 0 | 1 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | No | 26 | 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 | 168.37 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000575 | XXXXX | Non QM | Yes | No | $1,595.00 | $4,396.05 | 7.029% | XXXXX | XXXXX | 7.000% | No | No | Employed | US Citizen | $9,769.92 | 1 | XXXXX | $249.00 | XXXXX | $20.75 | 48.255% | 48.255% | 48.255% | 03/23/2026 | 716 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.430% | $15,000.00 | 1.0 | None | No | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 22.670% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.13 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126949 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $450.00 | XXXXX | $37.50 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 39.660% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.44 | Yes | 11.500% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123698 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $1,287.96 | XXXXX | $107.33 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | 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 | 39.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122281 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,661.12 | XXXXX | $221.76 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | XXXXX | 25.830% | 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 | 25.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123856 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,283.00 | $4,115.14 | 6.932% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $9,437.61 | 1 | XXXXX | $2,435.04 | XXXXX | $202.92 | 36.752% | 36.752% | 36.752% | 03/27/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $8,283.00 | 6.430% | $130,000.00 | 1.1 | None | Yes | No | 6.875% | 2 | 2 | 0 | 4 | 2 | 0.00 | No | XXXXX | XXXXX | 36.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.54 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112155 | XXXXX | Non QM | Yes | No | $18,930.00 | $20,669.25 | 7.890% | XXXXX | XXXXX | 7.375% | No | No | Employed | US Citizen | $8,941.52 | 1 | XXXXX | $3,858.96 | XXXXX | $321.58 | 41.559% | 41.559% | 41.559% | 04/10/2026 | 731 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $18,930.00 | 6.370% | $0.00 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.76 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125577 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,256.00 | XXXXX | $188.00 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | XXXXX | XXXXX | 86.670% | No | Yes | Commitment | 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 | 100.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125134 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $2,785.56 | XXXXX | $232.13 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 706 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 46.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123931 | XXXXX | Non QM | Yes | No | $1,368.00 | $2,786.89 | 6.548% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $7,183.93 | 2 | XXXXX | $728.04 | XXXXX | $60.67 | 36.306% | 36.306% | 36.306% | 04/17/2026 | 745 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,368.00 | 6.430% | $0.00 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.6 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124499 | XXXXX | N/A | No | No | $10,269.50 | $13,092.75 | 7.571% | XXXXX | XXXXX | 7.375% | No | No | Employed | US Citizen | $11,549.70 | 1 | XXXXX | $1,527.00 | XXXXX | $127.25 | 47.020% | 47.020% | 47.020% | 03/17/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,269.50 | 6.430% | $4,000.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 26.950% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.53 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000569 | XXXXX | N/A | No | No | $2,090.00 | $794.93 | 7.871% | XXXXX | XXXXX | 7.875% | No | No | Not Employed | Self-Employed | Employed | 11.93 | US Citizen | US Citizen | $39,554.69 | 1 | XXXXX | $1,194.00 | XXXXX | $99.50 | 21.981% | 21.981% | 21.981% | 03/11/2026 | 777 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [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%)]; 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%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 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%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [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%)]; Other - 2019 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [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%)]; Other - 2019 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,090.00 | 6.430% | $5,000.00 | 2.6 | None | No | No | 7.875% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 20.000% | 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 | 48.07 | No | No | $50,698.75 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124037 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $1,901.04 | XXXXX | $158.42 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 695 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | 59.280% | 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 | 22.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119082 | XXXXX | Non QM | Yes | No | $18,139.50 | $20,171.40 | 6.917% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $10,876.48 | 1 | XXXXX | $6,720.48 | XXXXX | $560.04 | 45.618% | 45.618% | 45.618% | 02/20/2026 | 696 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $18,139.50 | 5.460% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127345 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | 0 | US Citizen | US Citizen | 4 | XXXXX | $2,799.00 | XXXXX | $233.25 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 611 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.32 | 0.43 | XXXXX | 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 | 55 | Yes | 20.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123899 | XXXXX | Non QM | Yes | No | $2,260.28 | $4,369.89 | 7.068% | XXXXX | XXXXX | 7.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $15,889.67 | 1 | XXXXX | $1,086.00 | XXXXX | $90.50 | 26.275% | 26.275% | 26.275% | 03/31/2026 | 783 | 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 - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,260.28 | 6.430% | $0.00 | 1.0 | None | Yes | No | 7.000% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 42.420% | No | 28 | 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 | 30.37 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123944 | XXXXX | Non QM | Yes | No | $7,645.00 | $9,017.50 | 7.028% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $9,969.93 | 1 | XXXXX | $1,177.20 | XXXXX | $98.10 | 42.938% | 42.938% | 42.938% | 03/25/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,645.00 | 6.430% | $0.00 | 1.3 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 27.310% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.05 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123778 | XXXXX | Non QM | Yes | No | $3,523.00 | $5,280.53 | 6.547% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | US Citizen | $5,468.06 | 1 | XXXXX | $2,458.32 | XXXXX | $204.86 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 807 | 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 - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $3,523.00 | 6.430% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 264.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123950 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,497.72 | XXXXX | $124.81 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 14.050% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123209 | XXXXX | Non QM | Yes | No | $11,276.64 | $12,746.32 | 9.321% | XXXXX | XXXXX | 8.790% | No | No | Self-Employed | US Citizen | $2,657.51 | 1 | XXXXX | $1,514.04 | XXXXX | $126.17 | 49.958% | 49.958% | 49.958% | 03/17/2026 | 769 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 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 - | 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]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,276.64 | 6.370% | $8,721.50 | 1.0 | None | Yes | No | 8.790% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 46.800% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126027 | XXXXX | Non QM | Yes | No | $13,076.49 | $8,170.08 | 7.121% | XXXXX | XXXXX | 7.000% | No | No | Employed | Permanent Resident Alien | $8,270.75 | 1 | XXXXX | $0.00 | XXXXX | $0.00 | 43.751% | 43.751% | 43.751% | 04/08/2026 | 740 | No | No | [Borrower - | Primary Income - Wages]; WVOE - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $13,076.49 | 6.370% | $14,128.72 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 25.340% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 7.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123427 | XXXXX | Non QM | Yes | No | $1,395.00 | $2,954.40 | 6.920% | XXXXX | XXXXX | 6.875% | No | No | Non-Employment Income | US Citizen | $1,973.19 | 1 | XXXXX | $557.04 | XXXXX | $46.42 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 767 | 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]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,395.00 | 6.220% | $0.00 | 1.6 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 144.69 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000570 | XXXXX | Non QM | Yes | No | $1,995.00 | $3,799.03 | 7.193% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | US Citizen | $12,454.82 | 1 | XXXXX | $5,561.04 | XXXXX | $463.42 | 28.538% | 28.538% | 28.538% | 03/17/2026 | 765 | No | Yes | 12 | Business | 100.000% | 33.330% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 33.33% | 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: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,995.00 | 6.430% | $50,000.00 | 1.4 | None | Yes | No | 7.125% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000646 | XXXXX | Non QM | Yes | No | $4,102.50 | $10,151.98 | 6.722% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | US Citizen | $7,794.05 | 1 | XXXXX | $1,906.80 | XXXXX | $158.90 | 49.756% | 49.756% | 49.756% | 03/25/2026 | 734 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $4,102.50 | 6.370% | $2,500.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 192.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127600 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.874% | No | No | US Citizen | 1 | XXXXX | $5,523.12 | XXXXX | $460.26 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 716 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | 240 | XXXXX | XXXXX | 43.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123509 | XXXXX | N/A | No | No | $17,410.00 | $6,201.25 | 7.104% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,402.53 | 1 | XXXXX | $1,460.04 | XXXXX | $121.67 | 12.160% | 12.160% | 12.160% | 03/26/2026 | 781 | 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]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 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]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $17,410.00 | 6.430% | $0.00 | 1.5 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 27.980% | 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 | 7.43 | Yes | No | $8,034.15 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125677 | XXXXX | Non QM | Yes | No | $8,950.85 | $2,353.60 | 7.581% | XXXXX | XXXXX | 7.500% | No | No | Employed | US Citizen | $7,091.42 | 1 | XXXXX | $594.00 | XXXXX | $49.50 | 40.905% | 40.905% | 40.905% | 03/02/2026 | 760 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,950.85 | 6.370% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 27 | 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 | 67.13 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125668 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $933.00 | XXXXX | $77.75 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 678 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 97.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125211 | XXXXX | Non QM | Yes | No | $5,428.30 | $4,143.01 | 7.839% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $1,756.84 | 1 | XXXXX | $870.24 | XXXXX | $72.52 | 42.159% | 42.159% | 42.159% | 03/26/2026 | 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]; 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]; 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 | No | XXXXX | $5,428.30 | 6.430% | $0.00 | 1.4 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 9.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124599 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $1,623.96 | XXXXX | $135.33 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123911 | XXXXX | Non QM | Yes | No | $2,565.00 | $6,200.11 | 6.691% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $8,246.24 | 1 | XXXXX | $1,809.00 | XXXXX | $150.75 | 46.799% | 46.799% | 46.799% | 03/30/2026 | 787 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.300% | $0.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 15.530% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125727 | XXXXX | Non QM | Yes | No | $1,570.00 | $2,798.21 | 6.939% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $6,709.36 | 1 | XXXXX | $1,781.88 | XXXXX | $148.49 | 37.133% | 37.133% | 37.133% | 03/19/2026 | 722 | 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]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $1,570.00 | 6.370% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | 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 | 35.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126279 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 1 | XXXXX | $743.04 | XXXXX | $61.92 | 0.000% | 0.000% | 0.000% | 02/27/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | 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 | 14.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122058 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | 0 | US Citizen | US Citizen | 2 | XXXXX | $1,633.92 | XXXXX | $136.16 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 791 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | XXXXX | No | Yes | Commitment | 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 | 7.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126318 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.125% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,215.00 | XXXXX | $101.25 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.1 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.23 | 240 | XXXXX | XXXXX | 80.080% | 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 | 114.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124592 | XXXXX | N/A | No | No | $41,250.00 | $5,249.19 | 9.017% | XXXXX | XXXXX | 9.000% | No | No | Self-Employed | US Citizen | $41,900.86 | 1 | XXXXX | $2,784.96 | XXXXX | $232.08 | 42.484% | 42.484% | 42.484% | 04/08/2026 | 734 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 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 - 2012 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $41,250.00 | 6.370% | $0.00 | 2.5 | None | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 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 | 12.51 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121783 | XXXXX | N/A | No | No | XXXXX | XXXXX | 9.250% | No | No | US Citizen | 1 | XXXXX | $1,616.04 | XXXXX | $134.67 | 0.000% | 0.000% | 0.000% | 03/12/2026 | 698 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123789 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $2,451.00 | XXXXX | $204.25 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 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 | 38.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000552 | XXXXX | Non QM | Yes | No | $1,170.00 | $1,775.29 | 7.134% | XXXXX | XXXXX | 7.639% | No | No | Self-Employed | US Citizen | $40,140.12 | 1 | XXXXX | $696.96 | XXXXX | $58.08 | 27.815% | 28.373% | 27.815% | 03/12/2026 | 758 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 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]; Other - 2017 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,170.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 7.639% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 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 | 14.91 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125386 | XXXXX | Non QM | Yes | No | $8,196.25 | $11,913.21 | 7.298% | XXXXX | XXXXX | 7.125% | No | No | Non-Employment Income | US Citizen | $8,089.07 | 1 | XXXXX | $8,309.88 | XXXXX | $692.49 | 46.020% | 46.020% | 46.020% | 03/10/2026 | 773 | 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]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | Yes | XXXXX | $8,196.25 | 6.370% | $7,000.00 | 1.1 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 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 | 207.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123262 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $1,338.96 | XXXXX | $111.58 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124252 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | XXXXX | $872.04 | XXXXX | $72.67 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 807 | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | No | Yes | Commitment | 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 | 25.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126127 | XXXXX | Non QM | Yes | No | $3,265.00 | $4,432.69 | 6.415% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | US Citizen | $51,506.49 | 1 | XXXXX | $3,069.00 | XXXXX | $255.75 | 21.827% | 21.827% | 21.827% | 04/10/2026 | 764 | 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]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $3,265.00 | 6.370% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 27.00 | No | XXXXX | XXXXX | 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 | 9.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123164 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,719.48 | XXXXX | $143.29 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119489 | XXXXX | Non QM | Yes | No | $4,520.00 | $8,106.56 | 6.295% | XXXXX | XXXXX | 6.125% | No | No | Employed | US Citizen | $8,135.02 | 1 | XXXXX | $7,282.32 | XXXXX | $606.86 | 46.126% | 46.126% | 46.126% | 03/02/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,520.00 | 5.980% | $0.00 | 1.2 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.22 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123792 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | US Citizen | 1 | XXXXX | $1,721.16 | XXXXX | $143.43 | 0.000% | 0.000% | 0.000% | 12/22/2025 | 707 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXXX | 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 | 63.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125952 | XXXXX | Non QM | Yes | No | $10,215.00 | $13,604.25 | 6.680% | XXXXX | XXXXX | 6.500% | No | No | Employed | Permanent Resident Alien | $8,158.41 | 1 | XXXXX | $2,703.96 | XXXXX | $225.33 | 43.093% | 43.093% | 43.093% | 04/09/2026 | 706 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $10,215.00 | 6.370% | $3,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 6.560% | No | 26 | 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 | 6.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000571 | XXXXX | Non QM | Yes | No | $1,595.00 | $4,635.55 | 7.143% | XXXXX | XXXXX | 7.639% | No | No | Non-Employment Income | US Citizen | $40,746.57 | 1 | XXXXX | $4,313.76 | XXXXX | $359.48 | 19.705% | 18.464% | 19.705% | 03/11/2026 | 765 | Yes | No | [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 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.040% | $0.00 | 1.0 | None | Yes | No | 7.639% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 572.3 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124797 | XXXXX | Non QM | Yes | No | $6,790.00 | $6,241.57 | 6.955% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $6,009.74 | 1 | XXXXX | $555.96 | XXXXX | $46.33 | 40.451% | 40.451% | 40.451% | 04/07/2026 | 795 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,790.00 | 6.430% | $8,000.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 28.580% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122748 | XXXXX | Non QM | Yes | No | $4,887.60 | $6,345.82 | 7.022% | XXXXX | XXXXX | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $22,477.49 | 1 | XXXXX | $1,719.84 | XXXXX | $143.32 | 34.297% | 34.297% | 34.297% | 02/18/2026 | 795 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,887.60 | 6.120% | $0.00 | None | No | No | 6.875% | 2 | 3 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 62.250% | No | 26 | 27 | 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 | 47.59 | No | No | $0.00 | $16,722.05 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121507 | XXXXX | N/A | No | No | $14,135.25 | $8,396.36 | 6.738% | XXXXX | XXXXX | 6.500% | No | No | Employed | Permanent Resident Alien | $10,704.06 | 1 | XXXXX | $1,989.60 | XXXXX | $165.80 | 32.253% | 32.253% | 32.253% | 03/12/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $14,135.25 | 6.020% | $0.00 | 1.1 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 27 | 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 | 108.18 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123781 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $4,094.76 | XXXXX | $341.23 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 716 | No | No | DSCR | 1 | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | 240 | XXXXX | 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 | 28.79 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127297 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $7,867.08 | XXXXX | $655.59 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | 240 | XXXXX | 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 | 31.41 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | VE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121508 | XXXXX | N/A | No | No | $17,426.50 | $9,907.86 | 6.839% | XXXXX | XXXXX | 6.625% | No | No | Employed | Permanent Resident Alien | $9,937.66 | 1 | XXXXX | $3,214.92 | XXXXX | $267.91 | 42.819% | 42.819% | 42.819% | 03/12/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $17,426.50 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 27 | 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 | 102.83 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127299 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | US Citizen | 2 | XXXXX | $2,913.96 | XXXXX | $242.83 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 529 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXXX | XXXXX | 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 | 56.9 | Yes | 20.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122156 | XXXXX | Non QM | Yes | No | $1,495.00 | $12,186.99 | 6.768% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | Permanent Resident Alien | $25,427.45 | 1 | XXXXX | $3,549.96 | XXXXX | $295.83 | 35.627% | 35.627% | 35.627% | 03/17/2026 | 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]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; 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 - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $1,495.00 | 6.120% | $0.00 | 2.5 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | 80.040% | 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 | 97.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000595 | XXXXX | Non QM | Yes | No | $1,595.00 | $5,700.45 | 6.860% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $3,554.62 | 1 | XXXXX | $1,143.96 | XXXXX | $95.33 | 43.126% | 43.126% | 43.126% | 03/25/2026 | 805 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | 202.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123173 | XXXXX | Non QM | Yes | No | $22,936.23 | $23,627.37 | 7.107% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $42,531.11 | 1 | XXXXX | $2,548.08 | XXXXX | $212.34 | 11.795% | 11.795% | 11.795% | 02/25/2026 | 700 | 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]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $22,936.23 | 6.220% | $0.00 | 1.8 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 26.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124392 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 2 | XXXXX | $1,076.04 | XXXXX | $89.67 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.37 | 0.42 | XXXXX | XXXXX | 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 | 137.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123353 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $5,528.04 | XXXXX | $460.67 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.68 | 1.46 | XXXXX | 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 | 75.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123998 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 2 | XXXXX | $1,497.96 | XXXXX | $124.83 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.56 | XXXXX | XXXXX | 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 | 374.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124023 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $5,342.04 | XXXXX | $445.17 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.01 | Yes | 18.000% | 30 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000657 | XXXXX | Non QM | Yes | No | $11,081.00 | $320.62 | 6.754% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $8,126.81 | 1 | XXXXX | $4,137.24 | XXXXX | $344.77 | 41.279% | 41.279% | 41.279% | 03/25/2026 | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,081.00 | 6.370% | $24,604.69 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 0.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124698 | XXXXX | Non QM | Yes | No | $2,565.00 | $6,525.10 | 6.716% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $5,041.51 | 1 | XXXXX | $1,630.44 | XXXXX | $135.87 | 36.981% | 36.981% | 36.981% | 03/20/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.430% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 79.700% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128482 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $1,408.68 | XXXXX | $117.39 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 747 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 3.2 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.84 | XXXXX | 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 | 56.49 | Yes | 20.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125209 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.750% | No | No | US Citizen | 1 | XXXXX | $6,426.00 | XXXXX | $535.50 | 0.000% | 0.000% | 0.000% | 03/15/2026 | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.56 | 1.8 | XXXXX | XXXXX | 2.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000388 | XXXXX | N/A | No | No | $20,065.92 | $7,186.27 | 7.059% | XXXXX | XXXXX | 7.000% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $18,812.02 | 1 | XXXXX | $1,467.72 | XXXXX | $122.31 | 46.251% | 46.251% | 46.251% | 03/12/2026 | 808 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2006 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2006 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2006 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $20,065.92 | 6.430% | $10,000.00 | 1.0 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 39.020% | 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 | 26.48 | No | No | $35,000.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000659 | XXXXX | Non QM | Yes | No | $9,295.00 | $13,377.93 | 6.461% | XXXXX | XXXXX | 6.125% | No | No | Employed | US Citizen | $9,179.90 | 1 | XXXXX | $1,737.96 | XXXXX | $144.83 | 49.928% | 49.928% | 49.928% | 04/07/2026 | 766 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 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 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $9,295.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 53.160% | 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 | 45.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000652 | XXXXX | Non QM | Yes | No | $1,595.00 | $7,389.97 | 6.868% | XXXXX | XXXXX | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $3,905.69 | 1 | XXXXX | $3,960.72 | XXXXX | $330.06 | 47.681% | 47.681% | 47.681% | 03/25/2026 | 804 | No | No | [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 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 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 - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.300% | $0.00 | 1.0 | None | No | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 99.860% | No | 28 | 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 | 78.54 | Yes | No | $0.00 | $5,072.57 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126821 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $2,946.96 | XXXXX | $245.58 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 33.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124556 | XXXXX | Non QM | Yes | No | $3,476.25 | $8,207.62 | 7.546% | XXXXX | XXXXX | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $20,342.80 | 1 | XXXXX | $1,826.04 | XXXXX | $152.17 | 33.434% | 33.434% | 33.434% | 03/04/2026 | 802 | 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 [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]; 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 - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,476.25 | 6.430% | $0.00 | 3.9 | None | No | No | 7.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 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 | No | 74.7 | No | No | $0.00 | $11,223.24 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000603 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $2,418.00 | XXXXX | $201.50 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 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 | 298.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127972 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $2,500.68 | XXXXX | $208.39 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | 360 | XXXXX | XXXXX | 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 | 140.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124401 | XXXXX | N/A | No | No | XXXXX | XXXXX | 9.875% | No | No | US Citizen | US Citizen | 1 | XXXXX | $4,082.16 | XXXXX | $340.18 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.39 | XXXXX | XXXXX | 79.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 58.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125641 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,818.72 | XXXXX | $151.56 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXXX | XXXXX | 34.890% | 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 | 4.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124588 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | US Citizen | 1 | XXXXX | $1,655.04 | XXXXX | $137.92 | 0.000% | 0.000% | 0.000% | 01/27/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | XXXXX | 40.490% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125729 | XXXXX | Non QM | Yes | No | $7,570.00 | $8,882.25 | 6.484% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | US Citizen | $6,482.20 | 1 | XXXXX | $1,332.00 | XXXXX | $111.00 | 39.725% | 39.725% | 39.725% | 03/16/2026 | 768 | 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]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $7,570.00 | 6.370% | $0.00 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125730 | XXXXX | Non QM | Yes | No | $10,115.00 | $12,041.74 | 6.877% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $7,994.66 | 1 | XXXXX | $1,906.32 | XXXXX | $158.86 | 37.833% | 37.833% | 37.833% | 04/08/2026 | 759 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,115.00 | 6.370% | $0.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 2.670% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123365 | XXXXX | Non QM | Yes | No | $1,895.00 | $10,125.12 | 7.151% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | US Citizen | $99,735.09 | 1 | XXXXX | $7,875.96 | XXXXX | $656.33 | 35.841% | 35.841% | 35.841% | 03/25/2026 | 793 | 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 - | 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 - 2020 |
[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 | No | XXXXX | $1,895.00 | 6.260% | $0.00 | 3.0 | None | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 123.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123891 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $1,760.40 | XXXXX | $146.70 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 690 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.6 | XXXXX | 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 | 99.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000586 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $5,933.04 | XXXXX | $494.42 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | XXXXX | 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 | 177.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000693 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $2,377.80 | XXXXX | $198.15 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 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 | 111.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127046 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | US Citizen | 1 | XXXXX | $3,203.16 | XXXXX | $266.93 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | 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 | 36.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127966 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.374% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,267.04 | XXXXX | $188.92 | 0.000% | 0.000% | 0.000% | 04/24/2026 | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 44.110% | 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 | 31.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127240 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 1 | XXXXX | $1,513.80 | XXXXX | $126.15 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 87.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126129 | XXXXX | Non QM | Yes | No | $2,195.00 | $8,219.20 | 6.968% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXXX | $122,178.78 | 1 | XXXXX | $1,681.92 | XXXXX | $140.16 | 9.778% | 9.778% | 9.778% | 03/30/2026 | 770 | 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]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,195.00 | 6.370% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 33.850% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 28.76 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125511 | XXXXX | Non QM | Yes | No | $2,565.00 | $6,283.19 | 6.535% | XXXXX | XXXXX | 6.500% | No | No | Employed | Permanent Resident Alien | $12,068.13 | 1 | XXXXX | $3,123.96 | XXXXX | $260.33 | 43.342% | 43.342% | 43.342% | 03/18/2026 | 773 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.370% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | 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 | 3.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125515 | XXXXX | Non QM | Yes | No | $2,565.00 | $5,209.66 | 6.939% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $10,609.25 | 1 | XXXXX | $872.16 | XXXXX | $72.68 | 35.702% | 35.702% | 35.702% | 03/16/2026 | 802 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.370% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130404 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $2,553.00 | XXXXX | $212.75 | 0.000% | 0.000% | 0.000% | 05/02/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.61 | Yes | 20.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125159 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | US Citizen | 1 | XXXXX | $993.36 | XXXXX | $82.78 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 732 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXXX | 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 | 86.2 | Yes | 18.000% | 10 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127324 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | Permanent Resident Alien | 1 | XXXXX | $4,658.16 | XXXXX | $388.18 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 779 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 4.6 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXXX | XXXXX | 64.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.53 | Yes | 20.000% | 30 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130423 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.490% | No | No | US Citizen | 2 | XXXXX | $2,289.96 | XXXXX | $190.83 | 0.000% | 0.000% | 0.000% | 05/04/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.17 | 0.46 | XXXXX | XXXXX | 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 | 108.09 | Yes | 20.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127572 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 1 | XXXXX | $2,720.40 | XXXXX | $226.70 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 769 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.3 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | XXXXX | XXXXX | 29.510% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123999 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 1 | XXXXX | $909.00 | XXXXX | $75.75 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | 8.040% | 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 | 6.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000686 | XXXXX | Non QM | Yes | No | $1,890.00 | $12,677.44 | 7.288% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $33,704.24 | 1 | XXXXX | $6,473.04 | XXXXX | $539.42 | 38.912% | 38.912% | 38.912% | 04/08/2026 | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,890.00 | 6.300% | $5,880.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 19.060% | 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 | 21.33 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125316 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | 0 | 0 | US Citizen | US Citizen | 2 | XXXXX | $3,634.68 | XXXXX | $302.89 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 773 | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | No | Yes | Commitment | 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 | 19.41 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130427 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $1,386.96 | XXXXX | $115.58 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 731 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | 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 | 111.27 | Yes | 20.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130442 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | 0 | US Citizen | 1 | XXXXX | $570.00 | XXXXX | $47.50 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 783 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | 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 | 85.12 | Yes | 20.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126490 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,097.04 | XXXXX | $91.42 | 0.000% | 0.000% | 0.000% | 04/21/2026 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.63 | 1.59 | XXXXX | XXXXX | 62.840% | 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 | 34.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128467 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 4 | XXXXX | $3,033.96 | XXXXX | $252.83 | 0.000% | 0.000% | 0.000% | 02/27/2026 | 701 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.27 | 0.44 | XXXXX | XXXXX | 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 | 92.85 | Yes | 20.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000682 | XXXXX | N/A | No | No | XXXXX | XXXXX | 9.375% | No | No | US Citizen | 1 | XXXXX | $867.36 | XXXXX | $72.28 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXXX | 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 | 67.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000669 | XXXXX | Non QM | Yes | No | $2,073.00 | $3,400.06 | 6.578% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,965.17 | 1 | XXXXX | $1,650.12 | XXXXX | $137.51 | 34.038% | 34.038% | 34.038% | 04/23/2026 | 808 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2025 [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 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $2,073.00 | 6.370% | $1,000.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 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 | 203.74 | No | $2,131.20 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125734 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 3 | XXXXX | $4,082.28 | XXXXX | $340.19 | 0.000% | 0.000% | 0.000% | 04/03/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | XXXXX | 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 | 97.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130400 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $2,088.96 | XXXXX | $174.08 | 0.000% | 0.000% | 0.000% | 05/04/2026 | 721 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | 35.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.57 | Yes | 20.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131828 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $4,929.00 | XXXXX | $410.75 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.33 | Yes | 35.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121885 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $3,444.96 | XXXXX | $287.08 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | 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 | 36.25 | Yes | 18.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124571 | XXXXX | Non QM | Yes | No | $9,868.00 | $13,154.25 | 7.257% | XXXXX | XXXXX | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $8,985.34 | 2 | XXXXX | $1,011.00 | XXXXX | $84.25 | 42.666% | 42.666% | 42.666% | 03/12/2026 | 735 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,868.00 | 6.430% | $0.00 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 33.160% | No | 27 | 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 | 5.58 | No | $0.00 | $7,414.35 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126447 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.448% | No | No | US Citizen | 1 | XXXXX | $398.40 | XXXXX | $33.20 | 0.000% | 0.000% | 0.000% | 04/21/2026 | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.0 | Yes | No | 7.448% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130420 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | US Citizen | 1 | XXXXX | $2,806.68 | XXXXX | $233.89 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0.88 | Yes | 20.000% | 30 | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121218 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $31,595.00 | $45,891.75 | 6.483% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | US Citizen | $156,229.15 | 1 | XXXXX | $5,511.48 | XXXXX | $459.29 | 13.681% | 13.681% | 13.681% | 12/15/2025 | 769 | No | Yes | 48 | Business | 100.000% | 25.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 25.00000% | 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: 25.00000% | 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: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | 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: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | 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: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $31,595.00 | 6.100% | $0.00 | 999.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 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 | 69.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121208 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $22,295.00 | $26,852.40 | 8.008% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed | US Citizen | $11,678.79 | 1 | XXXXX | $5,026.20 | XXXXX | $418.85 | 41.607% | 41.607% | 41.607% | 01/15/2026 | 677 | 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]; P&L Statement - 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 CPA P&L | 0 | 0 | 0 | XXXXX | $22,295.00 | 5.990% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 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 | 3.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121308 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $11,795.00 | $11,818.58 | 6.978% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $76,913.32 | 1 | XXXXX | $1,839.96 | XXXXX | $153.33 | 12.765% | 12.765% | 12.765% | 02/23/2026 | 742 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; 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) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $11,795.00 | 5.980% | $10,000.00 | 2.6 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 1.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 165.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000123512 | XXXXX | N/A | No | No | $31,481.00 | $38,637.97 | 7.598% | XXXXX | XXXXX | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | $31,012.40 | 1 | XXXXX | $1,109.04 | XXXXX | $92.42 | 31.084% | 31.084% | 31.084% | 01/28/2026 | 765 | No | No | [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]; P&L Statement - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $31,481.00 | 5.990% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | 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 | 134.36 | No | No | $45,000.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121272 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $31,461.65 | $35,014.28 | 7.678% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $92,214.02 | 1 | XXXXX | $3,687.96 | XXXXX | $307.33 | 48.997% | 48.997% | 48.997% | 12/30/2025 | 740 | 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]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; 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) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $31,461.65 | 6.100% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 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 | 36.26 | No | No | $0.00 | $0.00 | No | No | No | No | 13 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121290 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $124,444.94 | $50,118.26 | 7.176% | XXXXX | XXXXX | 6.999% | No | No | Not Employed | Self-Employed | US Citizen | $188,980.16 | 1 | XXXXX | $7,160.16 | XXXXX | $596.68 | 21.294% | 19.695% | 21.294% | 02/18/2026 | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | 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: 25.00000% | 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: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $124,444.94 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.84 | No | No | $240,108.57 | $0.00 | No | No | No | No | 4 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121288 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $2,048.76 | XXXXX | $170.73 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 700 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.59 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121277 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $11,385.00 | $0.00 | 6.123% | XXXXX | XXXXX | 6.125% | No | No | Self-Employed | Permanent Resident Alien | $5,839.97 | 1 | XXXXX | $1,280.28 | XXXXX | $106.69 | 39.584% | 39.584% | 39.584% | 02/17/2026 | 782 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $11,385.00 | 5.980% | $7,544.91 | 2.7 | None | N/A | No | 6.125% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 155.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121346 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $1,381.56 | XXXXX | $115.13 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXXX | XXXXX | 4.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.29 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121287 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $15,551.43 | $8,803.76 | 7.732% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $34,295.82 | 1 | XXXXX | $6,006.96 | XXXXX | $500.58 | 10.886% | 10.886% | 10.886% | 01/27/2026 | 720 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | 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: 25.00000% | 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: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $15,551.43 | 6.100% | $0.00 | 2.4 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121319 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $16,130.00 | $20,239.50 | 6.862% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $29,949.43 | 1 | XXXXX | $4,009.80 | XXXXX | $334.15 | 40.084% | 40.084% | 40.084% | 01/28/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXXX | $16,130.00 | 6.120% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 4 | 3 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 141.95 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121303 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $57,158.12 | $29,992.96 | 8.073% | XXXXX | XXXXX | 7.625% | No | No | Employed | Permanent Resident Alien | $7,117.27 | 1 | XXXXX | $692.64 | XXXXX | $57.72 | 51.196% | 51.196% | 51.196% | 02/24/2026 | 732 | 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 - 2024 [Borrower - | Non-Primary Income - Housing Allowance]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Housing Allowance]; Employer Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXXX | $57,158.12 | 6.120% | $0.00 | 1.0 | None | N/A | No | 7.625% | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 19.580% | No | 3 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 25.8 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121352 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,514.00 | $12,340.93 | 6.928% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $3,813.24 | 1 | XXXXX | $1,560.00 | XXXXX | $130.00 | 41.824% | 41.824% | 41.824% | 01/15/2026 | 764 | No | Yes | 24 | Personal | 100.000% | 80.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 80.00% | 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: 80.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - No Results Returned - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $9,514.00 | 5.980% | $0.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 2 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121370 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $32,015.00 | $13,282.50 | 8.893% | XXXXX | XXXXX | 8.625% | No | No | Not Employed | Self-Employed | US Citizen | $14,364.36 | 1 | XXXXX | $972.00 | XXXXX | $81.00 | 34.636% | 34.636% | 34.636% | 01/06/2026 | 747 | No | No | [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]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $32,015.00 | 6.020% | $0.00 | 1.2 | None | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.61 | Yes | No | $21,976.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000123515 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $12,905.50 | $7,724.75 | 7.183% | XXXXX | XXXXX | 6.999% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,921.80 | 1 | XXXXX | $1,470.00 | XXXXX | $122.50 | 34.925% | 34.925% | 34.925% | 04/15/2026 | 790 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXXX | $12,905.50 | 6.430% | $0.00 | 3.9 | None | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 187.23 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121428 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 3 | XXXXX | $1,620.00 | XXXXX | $135.00 | 0.000% | 0.000% | 0.000% | 03/07/2026 | 715 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.61 | XXXXX | XXXXX | 0.250% | 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 | 46.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121361 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $2,234.88 | XXXXX | $186.24 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 687 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.86 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121390 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 1 | XXXXX | $987.84 | XXXXX | $82.32 | 0.000% | 0.000% | 0.000% | 03/13/2026 | 663 | No | No | [Borrower]; Transcripts (1040) - 2024 | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 1 | 0.00 | No | 1.85 | 0.54 | XXXXX | XXXXX | 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 | 26.89 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121394 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | US Citizen | 2 | XXXXX | $4,800.00 | XXXXX | $400.00 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 702 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.95 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121374 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $1,758.36 | XXXXX | $146.53 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 0.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.03 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121217 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.750% | No | No | US Citizen | 1 | XXXXX | $1,459.92 | XXXXX | $121.66 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.74 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121389 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $4,813.44 | XXXXX | $401.12 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 2.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.67 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121310 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | Permanent Resident Alien | 1 | XXXXX | $882.96 | XXXXX | $73.58 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 706 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.72 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121322 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $1,536.60 | XXXXX | $128.05 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121273 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 2 | XXXXX | $767.04 | XXXXX | $63.92 | 0.000% | 0.000% | 0.000% | 02/07/2026 | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | XXXXX | 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 | 114.6 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121358 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | US Citizen | 1 | XXXXX | $1,260.96 | XXXXX | $105.08 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 689 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.4 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | 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 | 4.22 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121320 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.375% | No | No | US Citizen | 2 | XXXXX | $1,344.48 | XXXXX | $112.04 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.89 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121387 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $1,227.96 | XXXXX | $102.33 | 0.000% | 0.000% | 0.000% | 02/27/2026 | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | Yes | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.5 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121372 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.125% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $0.00 | XXXXX | $0.00 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 707 | 687 | 715 | 707 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Trust | Business Entity | Individual | Trustee | Individual | Trustee | 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 | 125.85 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121295 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.999% | No | No | US Citizen | 1 | XXXXX | $1,601.04 | XXXXX | $133.42 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | XXXXX | 33.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.54 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121253 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $2,031.00 | XXXXX | $169.25 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | 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 | 47.2 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121344 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $1,833.00 | XXXXX | $152.75 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | 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 | 102.4 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121355 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.500% | No | No | US Citizen | 1 | XXXXX | $1,176.96 | XXXXX | $98.08 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 88.98 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121338 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,151.96 | XXXXX | $179.33 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 778 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | 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 | 10.68 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127346 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | 0 | US Citizen | US Citizen | 4 | XXXXX | $2,619.00 | XXXXX | $218.25 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 693 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.94 | 0.52 | XXXXX | XXXXX | 5.840% | 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 | 0.02 | Yes | 20.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000770 | XXXXX | Non QM | Yes | No | $1,950.00 | $12,416.62 | 6.422% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | US Citizen | $37,352.49 | 1 | XXXXX | $3,689.88 | XXXXX | $307.49 | 26.754% | 26.754% | 26.754% | 02/22/2026 | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,950.00 | 6.320% | $12,055.00 | 3.0 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 319.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000758 | XXXXX | Non QM | Yes | No | $4,919.80 | $6,853.79 | 7.213% | XXXXX | XXXXX | 7.000% | No | No | Non-Employment Income | US Citizen | $19,934.73 | 1 | XXXXX | $2,532.12 | XXXXX | $211.01 | 20.678% | 20.678% | 20.678% | 03/20/2026 | 795 | 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 - 2025 [Borrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $4,919.80 | 6.260% | $1,000.00 | 1.0 | None | No | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 814.32 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000786 | XXXXX | Non QM | Yes | No | $1,495.00 | $4,667.86 | 7.395% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $37,304.91 | 1 | XXXXX | $8,433.00 | XXXXX | $702.75 | 28.434% | 28.434% | 28.434% | 04/27/2026 | 720 | 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]; 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 - 2005 [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]; 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]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,495.00 | 6.430% | $0.00 | 1.8 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 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 | 101.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123220 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,089.56 | XXXXX | $174.13 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | XXXXX | 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 | 79.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000678 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $971.76 | XXXXX | $80.98 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | 240 | XXXXX | 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 | 162.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000737 | XXXXX | Non QM | Yes | No | $1,595.00 | $5,341.63 | 6.262% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $13,321.69 | 1 | XXXXX | $7,464.12 | XXXXX | $622.01 | 0.000% | 0.000% | 0.000% | 04/21/2026 | 789 | 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 - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.300% | $0.00 | 2.1 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 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 | 195.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000754 | XXXXX | Non QM | Yes | No | $6,115.00 | $6,671.38 | 6.959% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $7,805.45 | 1 | XXXXX | $5,498.16 | XXXXX | $458.18 | 44.247% | 44.247% | 44.247% | 04/23/2026 | 751 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $6,115.00 | 6.260% | $0.00 | 1.1 | None | No | No | 6.750% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXXX | 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 | 44.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130428 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $1,025.04 | XXXXX | $85.42 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.6 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.04 | XXXXX | 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 | 1.86 | Yes | 20.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000852 | XXXXX | Non QM | Yes | No | $2,395.00 | $3,831.99 | 6.164% | XXXXX | XXXXX | 6.125% | No | No | Non-Employment Income | US Citizen | $114,322.94 | 1 | XXXXX | $4,630.56 | XXXXX | $385.88 | 13.658% | 13.658% | 13.658% | 04/06/2026 | 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 - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,395.00 | 6.420% | $0.00 | 2.9 | None | Yes | No | 6.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 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 | 1616.39 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | Other | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130432 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $3,360.84 | XXXXX | $280.07 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 799 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.8 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXXX | XXXXX | 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 | 0.11 | Yes | 20.000% | 30 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000818 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,713.96 | XXXXX | $142.83 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | 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 | 81.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000733 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | 0 | US Citizen | 1 | XXXXX | $1,010.52 | XXXXX | $84.21 | 0.000% | 0.000% | 0.000% | 04/24/2026 | 767 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | 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 | 101.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000732 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | 0 | US Citizen | 1 | XXXXX | $1,391.04 | XXXXX | $115.92 | 0.000% | 0.000% | 0.000% | 04/24/2026 | 767 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | XXXXX | 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 | 116.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000837 | XXXXX | Non QM | Yes | No | $8,940.75 | $9,884.50 | 7.610% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $18,654.71 | 1 | XXXXX | $7,117.44 | XXXXX | $593.12 | 40.699% | 40.699% | 40.699% | 05/11/2026 | 767 | No | Yes | 12 | Business | 100.000% | 98.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 98.00% | 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: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | 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: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,940.75 | 6.410% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | 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 | 21.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121393 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $2,427.00 | XXXXX | $202.25 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | 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 | 41.98 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130426 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $1,215.96 | XXXXX | $101.33 | 0.000% | 0.000% | 0.000% | 04/29/2026 | 772 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.1 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | 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 | 16.17 | Yes | 20.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000132469 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | 1 | XXXXX | $2,318.88 | XXXXX | $193.24 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 723 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 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 | 0.99 | Yes | 20.000% | 30 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000703 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.000% | No | No | US Citizen | 1 | XXXXX | $834.96 | XXXXX | $69.58 | 0.000% | 0.000% | 0.000% | 04/18/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | 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 | 237.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000842 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $4,538.04 | XXXXX | $378.17 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 89.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 89.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000779 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,764.96 | XXXXX | $147.08 | 0.000% | 0.000% | 0.000% | 04/29/2026 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | 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 | 106.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000864 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $2,220.96 | XXXXX | $185.08 | 0.000% | 0.000% | 0.000% | 05/06/2026 | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.3 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | 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 | 73.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000783 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 4 | XXXXX | $2,821.20 | XXXXX | $235.10 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | XXXXX | 56.120% | 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 | 38.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000133112 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.490% | No | No | US Citizen | 1 | XXXXX | $2,700.00 | XXXXX | $225.00 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 771 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 1.520% | 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 | 0 | Yes | 20.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000731 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $2,175.96 | XXXXX | $181.33 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | 44.930% | 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 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000130399 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $2,854.20 | XXXXX | $237.85 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 714 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO Classic V5 Facta | No | 42.76 | Yes | 20.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000785 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $2,218.08 | XXXXX | $184.84 | 0.000% | 0.000% | 0.000% | 05/05/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | XXXXX | XXXXX | 33.540% | 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 | 4.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AH | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000684 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,125.96 | XXXXX | $93.83 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000853 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 1 | XXXXX | $3,553.68 | XXXXX | $296.14 | 0.000% | 0.000% | 0.000% | 03/16/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXXX | XXXXX | 52.920% | 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 | 13.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000787 | XXXXX | N/A | No | No | XXXXX | XXXXX | 5.625% | No | No | US Citizen | 1 | XXXXX | $1,159.44 | XXXXX | $96.62 | 0.000% | 0.000% | 0.000% | 04/24/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.84 | XXXXX | XXXXX | 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 | 94.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000914 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $1,712.64 | XXXXX | $142.72 | 0.000% | 0.000% | 0.000% | 05/07/2026 | 690 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | 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 | 92.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000755 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $2,058.00 | XXXXX | $171.50 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 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 | 25.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000753 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $900.96 | XXXXX | $75.08 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | 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 | 30.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000840 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $1,413.00 | XXXXX | $117.75 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 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 | 37.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000846 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $1,524.96 | XXXXX | $127.08 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | XXXXX | XXXXX | 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 | 35.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000763 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $1,299.96 | XXXXX | $108.33 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 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 | 154.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109182 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $13,780.00 | $15,007.84 | 7.801% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXXXX | XXXXX | $5,070.32 | 1 | XXXXX | $812.04 | XXXXX | $67.67 | 40.693% | 40.693% | 40.693% | 05/01/2025 | 772 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $13,780.00 | 6.630% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 32.750% | 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 | Employment Authorization | Employment Authorization | 7.96 | No | $0.00 | $2,329.81 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000747 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $9,421.20 | XXXXX | $785.10 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 805 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.8 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 73.380% | 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 | 143.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000825 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $1,800.12 | XXXXX | $150.01 | 0.000% | 0.000% | 0.000% | 04/30/2026 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | XXXXX | 18.300% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131307 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $2,778.00 | XXXXX | $231.50 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 40.130% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.35 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131309 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $4,602.84 | XXXXX | $383.57 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.6 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.29 | XXXXX | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.06 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131387 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,754.52 | XXXXX | $146.21 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 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 | 17.37 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000620 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $2,527.92 | XXXXX | $210.66 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 732 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.1 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | XXXXX | 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 | 6.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000944 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $444.00 | XXXXX | $37.00 | 0.000% | 0.000% | 0.000% | 05/29/2026 | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 87.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 75.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000739 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $1,668.96 | XXXXX | $139.08 | 0.000% | 0.000% | 0.000% | 03/14/2026 | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXXX | XXXXX | 76.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 75.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000789 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $1,952.28 | XXXXX | $162.69 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | XXXXX | 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 | 6.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000791 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 2 | XXXXX | $2,718.96 | XXXXX | $226.58 | 0.000% | 0.000% | 0.000% | 05/05/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.65 | XXXXX | XXXXX | 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 | 289.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000945 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $432.96 | XXXXX | $36.08 | 0.000% | 0.000% | 0.000% | 05/29/2026 | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | 80.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 69.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000127394 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $2,286.00 | XXXXX | $190.50 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 22.620% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1.15 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000127405 | XXXXX | Non QM | Yes | No | $2,620.00 | $2,747.17 | 7.375% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXXX | $26,508.23 | 1 | XXXXX | $5,049.00 | XXXXX | $420.75 | 29.640% | 29.640% | 29.640% | 03/18/2026 | 786 | 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]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $2,620.00 | 6.430% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 27.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 6.36 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000127393 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $15,095.00 | $25,798.75 | 6.623% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $20,336.75 | 1 | XXXXX | $5,347.80 | XXXXX | $445.65 | 38.349% | 38.349% | 38.349% | 03/12/2026 | 764 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense
Ratio: 25.00000% | 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: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $15,095.00 | 6.260% | $0.00 | 3.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 51.930% | 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 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 161.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000127395 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $10,845.00 | $13,236.86 | 7.610% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $6,313.74 | 1 | XXXXX | $4,476.00 | XXXXX | $373.00 | 48.210% | 48.210% | 48.210% | 03/24/2026 | 694 | 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: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | XXXXX | $10,845.00 | 6.430% | $4,000.00 | 2.6 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 36.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000127403 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $32,282.50 | $23,432.07 | 7.184% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | US Citizen | $43,458.81 | 1 | XXXXX | $4,188.96 | XXXXX | $349.08 | 33.488% | 33.488% | 33.488% | 04/30/2026 | 805 | 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]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Business License - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 1 | 0 | 0 | 0 | XXXXX | $32,282.50 | 6.260% | $0.00 | 4.8 | None | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 1 | 12.00 | No | XXXXX | 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 | 129.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000871 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $2,050.20 | XXXXX | $170.85 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | XXXXX | 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 | 180.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000954 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $4,786.08 | XXXXX | $398.84 | 0.000% | 0.000% | 0.000% | 05/26/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 38.870% | 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 | 9.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000988 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $1,407.96 | XXXXX | $117.33 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.18 | XXXXX | XXXXX | 30.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 384.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000964 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $2,081.40 | XXXXX | $173.45 | 0.000% | 0.000% | 0.000% | 06/24/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.23 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000965 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $2,625.72 | XXXXX | $218.81 | 0.000% | 0.000% | 0.000% | 05/22/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000001002 | XXXXX | N/A | No | No | XXXXX | XXXXX | 5.875% | No | No | US Citizen | 1 | XXXXX | $1,053.36 | XXXXX | $87.78 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 806 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 26.020% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000845 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | US Citizen | 1 | XXXXX | $3,039.60 | XXXXX | $253.30 | 0.000% | 0.000% | 0.000% | 05/13/2026 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXXX | XXXXX | 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 | 102.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131305 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $565.56 | XXXXX | $47.13 | 0.000% | 0.000% | 0.000% | 03/13/2026 | 712 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 1.490% | 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 | 38.31 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X |