Exhibit 99.02 Schedule 1

 

Order Number Q_Status Street Address City State Zip Client Bulk Order Name Product Loan Number Order Date Completed Date Beds Baths GLA Lot Size Year Built APN Property Rights Legal Description Appraisal Value Reviewer Value Estimate Value Differs? Value Variance Market Conditions Accurate? Market Conditions Comments Neighborhood Description Accurate? Neighborhood Comments Sale History Accurate? Sale History Comments Subject Condition Description Accurate? Subject Condition Comments Subject Condition Rating Accurate? Subject Condition Rating Comments Comps Characteristics Suitable? Comps Characteristics Comments Comps Location Suitable? Comps Location Comments Comps Adjustments Appropriate? Comps Adjustments Comments Photos Acceptable? Photos Comments Value Opinion Supported? Value Opinion Comments Land Use Highest And Best? Land Use Highest And Best Comments AllRequiredExibitsPresent? Required Exibits Comments Reviewer Value Commentary Additional Statements
XXXXX Completed XXX XXX XXX XXX XXX XXX XXX 6000121272 XXX XXX XXX XXX XXX XXX XXX XXX Fee Simple XXX $XXX $XXX No 0.00% Yes The appraisal report contains a very detailed market analysis with many charts and graphs offered in support of the opinions & conclusions. Yes The appraisal report includes an adequate description of the local market, neighborhood, and competing properties. No factors causing or contributing to external obsolescence were noted by the reviewer nor reported by the appraiser. Yes The subject property shows prior transfers in the past 36 months. The comparable sales show no prior transfers in the prior 12 months, per the appraisal. No conflicting information was discovered during the course of this review. Yes The appraisal includes ample photos and exhibits that are consistent with the sketch. The sketch includes exterior dimensions and calculations and appear to be correct. The narrative description of the home is consistent with the photos. Yes The evaluations of Condition and Quality ratings are consistent with UAD definitions. Yes The appraisal includes five sales and 1 current listing. The selected comparables reflect similar key characteristics. Yes The appraisal includes five sales and 1 current listing. The selected comparables reflect a similar location or influence. Yes Major features of the subject property are bracketed by the comparable sales.  Yes The appraisal report includes ample photos of the interior and exterior of the property, and these are consistent with the description, quality and condition ratings. Yes The appraisal applies both the cost and sales approach to value. The sales approach is adequately supported and produces credible results. Less weight is given to the cost approach Yes The property is non-complex and the continued use of the existing property is the only use that meets all four tests. Yes The appraisal report contains all required exhibits. They are legible and support the opinions and conclusions expressed by the appraiser. After review of the appraisal report and the data and comparables utilized, the appraiser agrees with the opinion of value stated. The comparables utilized in the report bracket the key characteristics of the subject such as GLA, Site, Age, additional amenities, quality and condition. The adjustments that were made are reasonable and considered appropriate for the market.  
XXXXX Completed XXX XXX XXX XXX XXX XXX XXX 6000121390 XXX XXX XXX XXX XXX XXX XXX XXX Fee Simple XXX $XXX $XXX No 0.00% Yes The appraisal indicates stable property values, demand/supply are in balance and marketing time is under 3 months.  Neighborhood reporting comments are consistent with 1004MC analysis. Yes The information in the neighborhood section was found to be complete and adequate. The neighborhood is located within close proximity to schools, shopping and other amenities.  No external obsolescence noted.   Yes OA adequately addresses the prior sales history of the subject and all comparable sales.  Yes The subject's upgrades, additions, improvements, damage, or other conditions fully described where needed.  Yes  The subject’s condition and quality ratings are accurate based on UAD guidelines Yes All  appraiser selected comparables are suitable with respect to characteristic Yes All appraiser comparables are suitable with respect to location Yes All adjustments made in the OA appear reasonable and supported Yes OA provided adequate photos of the subject interior condition including repairs and upgrades where appropriate.  Yes Yes, the appraiser's opinion of market value appears supported as of the effective date of the appraisal Yes Yes, the subject’s current land use is indicated as the highest and best use Yes All photos, sketch and maps are present in the report.  The subject property is a SFR with 3 beds and 2 bath above grade. The subject is located in an area of conforming residences differing in age and style with no negative external influence. The subject's condition is noted as C3 in the OA and supported by photos. The comps are reasonable competitive alternative properties, all are similar homes with reasonable adjustments and location within the subject's immediate area.  Physical depreciation is calculated in the cost approach by the Age Life The Method.  Third party resources support the OA and show average marketing time is 1 to 3 months. The highest and best use of the subject property is as-improved. The subject's market is stable with limited REO properties or seller concessions.  The subject is a legally permissible use based on its current zoning. Also, the lot size, shape and land-to-building ratio allow the present structure and indicate a good utilization of the improvements. Based on current market conditions, the existing structure/improvement is its financially feasible and maximally productive use. Extraordinary assumptions have been utilized in this reconciliation and the use of these assumptions might affect assignment results per USPAP Standard Rule 2-2 (xii). The inspection is exterior only and is a limited inspection of the subject property.  Because of this, a specific as-is value is difficult to provide with absolute certainty based on this limited information.  However, within the scope of work of this assignment, the trend that the subject property is most likely to be competitive within is identified and demonstrated by the selected proximate sales.  These sales are then weighted/reconciled based on what is known about the subject property based on the exterior inspection to a value within this trend since the client requires a specific valuation conclusion. Data Source: XXX MLS data – the extraordinary assumption is made that XXX has provided any and all MLS data from the local MLS for this area and such data is correct and accurate as entered by real estate agents in that market area and as presented by XXX within their reporting platform. 
XXXXX Completed XXX XXX XXX XXX XXX XXX XXX 6000121355 XXX XXX XXX XXX XXX XXX XXX XXX Fee Simple XXX $XXX $XXX No 0.00% Yes The appraisal indicates stable property values, demand/supply are in balance and marketing time is under 3 months.  Neighborhood reporting comments are consistent with 1004MC analysis. Yes The information in the neighborhood section was found to be complete and adequate. The neighborhood is located within close proximity to schools, shopping and other amenities.  No external obsolescence noted.   Yes OA adequately addresses the prior sales history of the subject and all comparable sales.  Yes The subject's upgrades, additions, improvements, damage, or other conditions fully described where needed.  Yes  The subject’s condition and quality ratings are accurate based on UAD guidelines Yes All  appraiser selected comparables are suitable with respect to characteristic Yes All appraiser comparables are suitable with respect to location Yes All adjustments made in the OA appear reasonable and supported Yes OA provided adequate photos of the subject interior condition including repairs and upgrades where appropriate.  Yes Yes, the appraiser's opinion of market value appears supported as of the effective date of the appraisal Yes Yes, the subject’s current land use is indicated as the highest and best use Yes All photos, sketch and maps are present in the report.  The subject property is a SFR with 3 beds and 1.1 bath above grade and an unfinished basement amenity. The subject is located in an area of conforming residences differing in age and style with no negative external influence. The subject's condition is noted as C4 in the OA and supported by photos. The comps are reasonable competitive alternative properties, all are similar homes with reasonable adjustments and location within the subject's immediate area.  Physical depreciation is calculated in the cost approach by the Age Life The Method.  Third party resources support the OA and show average marketing time is 1 to 3 months. The highest and best use of the subject property is as-improved. The subject's market is stable with limited REO properties or seller concessions.  The subject is a legally permissible use based on its current zoning. Also, the lot size, shape and land-to-building ratio allow the present structure and indicate a good utilization of the improvements. Based on current market conditions, the existing structure/improvement is its financially feasible and maximally productive use. Extraordinary assumptions have been utilized in this reconciliation and the use of these assumptions might affect assignment results per USPAP Standard Rule 2-2 (xii). The inspection is exterior only and is a limited inspection of the subject property.  Because of this, a specific as-is value is difficult to provide with absolute certainty based on this limited information.  However, within the scope of work of this assignment, the trend that the subject property is most likely to be competitive within is identified and demonstrated by the selected proximate sales.  These sales are then weighted/reconciled based on what is known about the subject property based on the exterior inspection to a value within this trend since the client requires a specific valuation conclusion. Data Source: XXX MLS data – the extraordinary assumption is made that XXX has provided any and all MLS data from the local MLS for this area and such data is correct and accurate as entered by real estate agents in that market area and as presented by XXX within their reporting platform. 
XXXXX Completed XXX XXX XXX XXX XXX XXX XXX 6000121218 XXX XXX XXX XXX XXX XXX XXX XXX Fee Simple XXX $XXX $XXX No 0.00% Yes Market trends and data are accurate.  Yes The appraiser accurately and sufficiently described the neighborhood, noting if there was external obsolescence. Yes The prior sale history of the subject and the comparables is accurate. The subject's prior transfer was a Quit Claim Deed only. The subject is not currently listed for sale. The subject's prior transfer/listing history has no affect on the subject's marketability and/or market value. Yes It is assumed that the subject is accurately described including upgrades, improvements, and other conditions that are fully described. The subject features a fireplace, XXX covered porches, XXX covered balconies, an uncovered balcony, outdoor kitchen and unfinished inground pool. The subject was recently constructed and is in new condition. It has several unfinished items. The subject's water features are missing tile, the bottom stair on the side covered porch is missing the stepping stone, and construction on the in ground pool is incomplete. The in ground pool is given no value in this appraisal report because it is incomplete. The unfinished items do not affect the marketability and/or livability of the house and do not require repair. Yes The subject's UAD condition rating appears reasonable based on the review of the report, comments, and photos. If applicable all damage/needed repairs are assumed to be documented. The condition rating is supported at C2. Yes Most if not all significant features and characteristics are bracketed. The OA comparables are competing homes and are acceptable. Yes The comparables are located within acceptable proximity from the subject, located in the market area. Sales 1, 2, 3 and 4 are located over 1 mile from the subject, but still within the subject's market area. Sale 5 and Sale 6 are current listings located over XX mile from the subject, but still within the subject's market area. Both are adjusted 5% for the calculated list-to-sale price ratio. Yes The value adjustments made for features of comparable properties that differ from the subject are appropriate. The GLA of Sales 1, 2 and 3 varies from the subject's by greater than 20% causing the line, net and/or gross adjustments to Sales 1 and 3 to be higher than typically desired. Sale 1 is used for its similar lot size, quality and interior finishes. Sale 2 is provided to bracket the lower end of the subject's GLA. Sale 3 is used for its similar quality, condition, and interior/exterior finishes All sales provided have very comparable interior and exterior finishes. They are the most recent, similar and proximate sales available. Yes The provided photos are of acceptable quality and document any upgrades to the property. Yes The OA has used comparables to bracket the major features of the subject, such as condition, site size, and GLA to support the market value. Yes The subject's current use is indicated as its highest and best use. The subject use is legal. Yes The subject photos, the comparable photos, a sketch, and the location map are present. The final market value was derived by giving consideration to all Comp(s) due to their proximity to the subject, recent sale dates and overall similarity to the subject. Greatest consideration is given to Comp 1 for its same C2 condition, similar quality and site size. The most recent closed comparables that were competitive to the subject were used. All closed comparables were arm’s length transactions unless otherwise noted. The value is well supported and within reasonable tolerance. The appraiser selected and analyzed sales within a reasonable proximity to the subject property. Each sale is appropriately adjusted and the sales bracket the subject in terms of physical characteristics. Additional research of the market shows similar sales that would further support the OA's value estimate. Extraordinary assumptions have been invoked as of the effective date of the assignment results that: 1. Information received from reliable sources, relative to the subject property and all comparables is correct and accurate. 2. Based on the scope of work of this desktop assignment, the client acknowledges that the appraiser has solely relied on a field inspection report/BPO product, information and photographs provided by third party sources. 3. If the reviewer was to personally inspect the subject (including any described or photographed damage), it could alter the conclusions and final opinion of value of the subject. An extraordinary assumption has been made that the subject's current use conforms to zoning and that it is a legal use.
XXXXX Completed XXX XXX XXX XXX XXX XXX XXX 6000123512 XXX XXX XXX XXX XXX XXX XXX XXX Fee Simple XXX $XXX $XXX No 0.00% Yes Market trends and data are accurate. Yes The neighborhood is accurately described. Yes The analysis of the subject's prior sales history and the sales history for the comps provided is complete and accurate. Yes The subject has been accurately described including any upgrades. Yes The subject's condition and quality ratings are within USPAP guidelines. Yes The comparables are suitable with respect to the subject's characteristics. Yes Due to the differences in condition and GLA of similar properties search parameters were expanded both distance and time. The sales used in this analysis are the best available value indicators for the subject property. Yes The value adjustments made for features of comparable properties that differ from the subject are appropriate. Yes The photos provided support the subject's condition. Yes The appraiser's opinion of market value is supported by the comps and market conditions. Yes The highest and best use of the subject, as improved, is the subject’s current use. Yes All the required exhibits (photos, sketches, maps) are present. The subject property is a SFR with XX bedrooms, XXX bathrooms, XXX square feet, built in XXX.  The subject kitchen and bathrooms were updated one to five years ago.  The subject was completely remodeled from the ground up, updated landscaping, added gazebo and added putting green. The subject is in good condition and well maintained.  Utilities were on and in working conditions at the time of the inspection. C0/Smoke detectors and Water Heater were noted at the time of inspection.  The subject neighborhood boundaries above incorporate an area of homes similar in physical characteristics to the subject and offer similar appeal to shopping, transportation, schools, etc. The area is predominantly single family units with various levels of condition. Additional Certifications: Extraordinary assumptions have been invoked as of the effective date of the assignment results that: 1. Information received from reliable sources, relative to the subject property and all comparables is correct and accurate. 2. Based on the scope of work of  this desktop assignment, the client acknowledges that the appraiser has solely relied on a field inspection report/BPO product, information and photographs provided by third party sources. 3. If the reviewer was to personally inspect the subject (including any described or photographed damage), it could alter the conclusions & final opinion of the value of the subject. An extraordinary assumption has been made that the subject's current use conforms to zoning and that it is legal use. The subject has access to all necessary supporting facilities including schools, shopping, recreation and employment centers.   
XXXXX Completed XXX XXX XXX XXX XXX XXX XXX 6000121290 XXX XXX XXX XXX XXX XXX XXX XXX Fee Simple XXX $XXX $XXX No 0.00% Yes Yes, the appraiser accurately and sufficiently described market conditions in the subject's area.  Yes Yes, the appraiser accurately described the neighborhood.   Yes Yes, the analysis of the subject's prior sales history and the sales history for the provided comps is complete and accurate.  Yes Yes, the subject is accurately described.   Yes Yes, the subject's condition rating was accurate.  Yes Yes, the appraiser's selected comparables were suitable.  Yes Yes, the comparables were suitable with respect to location.  Yes Yes, the adjustments were appropriate and appear reasonable based on available data.   Yes Yes, the photos were acceptable.  Yes Yes, the appraiser's opinion of market value was adequately supported as of the effective date of the appraisal.  Yes Yes, HBU is correct.   Yes Yes, all required exhibits are present.   The subject is a XXX Sf, XXX/XXX, C2 SFR. All sales are similar in utility, age, and location. The subject has recently been renovated and is located on a large lot. As a result, value is at the higher end of sales data in the market. Adjustments are supported. Comp selection is acceptable. Value supported within reasonable tolerance.   Data Source: XXX MLS data- the extraordinary assumption is made that XXX has provided any and all MLS data from the local MLS for this area and such data is correct and accurate as entered by real estate agents in that market area and as presented by XXX within their reporting platform. This was comparative market analysis of the sales/listing comparables in the provided appraisal under review as well as well as other market transactions per the local MLS in an assessment of the submitted appraisal under review. The cost approach and income approach were considered; however, it was determined that they were not necessary to product credible assignment results. Additional Certifications: Extraordinary assumption shave been involved as of the effective date of this assignment results that: 1: information received from reliable sources, relative the subject property and all comparables is correct and accurate 2. Based on the scope of work of this desktop assignment, the client acknowledges that the appraiser has solely relied on a 1004 appraisal, information and photographs provided by third party sources. 3. if the reviewer was to personally inspect the subject (including any described or photographed damage), it could alter the conclusion and final option of value of the subject. An extraordinary assumption has been made that the subject's current use conforms to zoning and that it is legal use. Extraordinary assumptions have been utilized in this reconciliation and the use of the assumptions might affect assignment results per USPAP 2022-2023 Standard Rule 2-2 (xii).  
XXXXX Completed XXX XXX XXX XXX XXX XXX XXX 6000113983 XXX XXX XXX XXX XXX XXX XXX XXX Fee Simple XXX $XXX $XXX No 0.00% Yes Market conditions have been located and are assumed to be relevant to the subject market. Yes The neighborhood boundaries have been located and assumed to be accurate based on subject market. Yes The sales history for the subject as well as its comps have been located and assumed to be accurate. Yes Conditions and additional features are located and relevant to the photos provided. The appraiser has provided sufficient commentary. Yes The subjects quality and condition rating appear accurate based on review of the report, comments, and photos with any necessary damages or updating having been noted properly. Yes The comparables chosen are bracketing in common features of value in as much as possible. The resulting adjusted figures are bracketing and supportive of the value. Yes Acceptable radius parameters have been used with respect to build, condition, location, and feature. Yes Adjustments appear to be market driven based on paired sales analysis and are supported and appropriate for the purposes of the report. Yes The provided photos are acceptable and are reflective of the conditions and/or repairs stated within the report. Yes The final value is bracketed on the low end and the high end within the adjusted and unadjusted comp range. The appraiser has noted the methodology used to arrive at the final value. Value is supported and deemed reasonable based on the comps provided within the report as well as reviewer comps located. Yes The subjects current land use is noted as highest and best in regards to location, zoning, and feasibility. Yes All photos, maps, and sketches are present Additional features are given value on grid, value is still below contract value. Even with subject condition and extra feature amenities, the contracted value is not bracketed by the sold comps. Even reviewer search caps value range at $XXX. The best comps for subject are located on the OA.  The OA value has been reviewed and the value appears to be within an acceptable range and is reasonable based on the comps provided along with additional comps located within the search reports. Necessary areas of data have been included and  explained. Comps are bracketing in common features and offer support for the final value. Reviewer agrees with the value and direction.