Exhibit 99.03 Schedule 1

 

Loan ID Seller Loan ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant 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 Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Updated Credit Report Date Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion 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 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 Is Equity Shared Loan Subordinate Lien Type Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type  Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type  Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type  Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag Appraiser License # Appraiser First Name Appraisal Last Name Maturity Date Number of Units
4000097015     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No Yes No N/A N/A       LPA LP Accept/Eligible No     7.375%   $801.18 No   xxx xxx xxx xxx xxx xxx $0.00 $1,707.31 $5,026.81 xxx xxx xxx xxx Monthly 0.00% 44.91% 44.91% Yes Yes             Retired Employed         Full Documentation 0 1 NA 1 Month N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No No N/A 0 0 No Yes 0 0 0.00% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A Yes 178 33 Work Number No 0   N/A Borrower - SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2025, 2024, 2023 Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2024, 2023 xxx xxx xxx xxx xxx xxx xxx xxx     793                               NA     0       0     0     0   0 0 0   No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A     US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                         Fee Simple No No N/A xxx 51.58 xxx 51.58 No 80.0 Yes xxx xxx xxx xxx 1
4000111619     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Appendix Q Documentation 15800 xxx 6.190%   No AUS No 6.647%   6.625%   $7,350.77 No   xxx xxx xxx xxx xxx xxx $0.00 $9,432.77 $54,168.05 xxx xxx xxx xxx Monthly 0.00% 37.75% 37.75% No               Self-Employed           24 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 24 No       100.00% 100.00%     N/A 0 N/A       Yes 84 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 Borrower - 2023, 2024, 2025 xxx xxx xxx xxx xxx xxx xxx       727                               NA     0       0     0     0   0 0 0   No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 13.73 xxx 13.73 No 70.86 N/A xxx xxx xxx xxx 1
4000111613     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.625%   $8,108.90 No   xxx xxx xxx xxx xxx xxx $0.00 $9,982.06 $53,081.06     $0.00     0.00% 39.00% 39.00% Yes               Self-Employed           24 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 24 No       100.00% 100.00%     N/A 0 N/A       Yes 60 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 xxx xxx xxx xxx xxx xxx xxx       727                               NA     0       0     0     0   0 0 0   No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 12.73 xxx 12.73 No 70.55 N/A xxx xxx xxx xxx 1
4000113581     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 1470 xxx 6.140%   No AUS No 6.544%   6.500%   $2,923.31 No   xxx xxx xxx xxx xxx xxx $0.00 $3,976.50 $8,049.20 xxx xxx xxx xxx Annually 0.00% 36.57% 36.57% No               Unknown           Asset Depletion – Debt Ratio Calculation 0   NA   N/A 0     0 0     3 0 NA   Yes No 84.0 No Yes Yes 0 3 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - Asset Depletion - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 xxx xxx xxx xxx xxx xxx xxx       812                               NA     0       0     0     0   0 0 0   No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 281.79 xxx 281.79 No 50.0 N/A xxx xxx xxx xxx 1
4000117419     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2720 xxx 6.100%   No AUS No 6.346%   6.250%   $2,370.51 No   xxx xxx xxx xxx xxx xxx $0.00 $3,478.44 $12,597.40 xxx xxx xxx xxx Monthly 0.00% 37.64% 37.64% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 51 25 FNMA 1005     0   No 0   N/A Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified - 2025, 2024, 2026 Borrower - 2025, 2024, 2026 xxx xxx xxx xxx xxx xxx xxx       741                               NA     0       0     0     0   0 0 0   No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA Patriot Act xxx xxx xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx 80.95 xxx 80.95 No 47.53 Yes xxx xxx xxx xxx 1
4000118712     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.000%   $2,188.36 No   xxx xxx xxx xxx xxx xxx $0.00 $2,798.37 $0.00 xxx xxx xxx xxx Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.001 1.0 N/A Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       781                               NA     0       0     0     0   0 0 0   No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 5.69 xxx 5.69 No 68.22 N/A xxx xxx xxx xxx 1
4000113882     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 1565 xxx 6.140%   No AUS No 6.423%   6.375%   $4,844.10 No   xxx xxx xxx xxx xxx xxx $0.00 $5,332.30 $5,702.80 xxx xxx xxx xxx Annually 0.00% 48.74% 48.74% No No             Employed Not Employed         1YR Full Doc 1 0 1 Month NA N/A 0 N/A 0 0 0 0 0 2 0 Yes NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 1 1 Work Number NA 0 0 N/A No 0   N/A Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - 2026, 2025, 2024 || Co Borrower - N/A - 2 YRS Executed 4506T Verified Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - 2 YRS Executed 4506T Verified xxx xxx xxx xxx xxx xxx xxx xxx     784                               NA     0       0     0     0   0 0 0 Unknown No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A     US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                         Fee Simple No No N/A xxx 247.98 xxx 247.98 No 75.0 N/A xxx xxx xxx xxx 1
4000118702     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 8152 xxx 6.160%   No AUS No 7.856%   8.625%   $4,224.95 No   xxx xxx xxx xxx xxx xxx $0.00 $5,454.32 $10,822.92 xxx xxx xxx xxx Monthly 0.00% 38.70% 38.15% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 24 24 FNMA 1005     0   No 0     Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       711                               NA     0       0     0     0   0 0 0   No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 6.54 xxx 6.54 No 70.0 N/A xxx xxx xxx xxx 1
4000120011     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 10790 xxx 5.980%   No AUS No 6.536%   6.250%   $2,647.58 No   xxx xxx xxx xxx xxx xxx $0.00 $3,797.86 $6,166.14 xxx xxx xxx xxx Monthly 0.00% 38.70% 38.70% No No             Self-Employed Not Employed         1YR Business P&L 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 100.00%     Third-Party Prepared (Unaudited) 12 CPA N/A N/A 0 Yes 60 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025 || Co Borrower Borrower - 2025 || Co Borrower xxx xxx xxx xxx xxx xxx xxx xxx     791                               NA     0       0     0     0   0 0 0   No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A     US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                         Fee Simple No No N/A xxx 13.03 xxx 13.03 No 71.67 N/A xxx xxx xxx xxx 1
4000121230     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 27420 xxx 6.020%   No AUS No 6.743%   6.625%   $15,815.68 No   xxx xxx xxx xxx xxx xxx $0.00 $19,394.03 $21,813.97 xxx xxx xxx xxx Monthly 0.00% 48.06% 48.06% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 49 49 FNMA 1005     0   No 0   N/A Borrower - Wage, Commission - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       774                               NA     0       0     0     0   0 0 0   No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 21.58 No 65.0 N/A xxx xxx xxx xxx 1
4000120890     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2720 xxx 6.020%   No AUS No 6.601%   6.500%   $3,006.36 No   xxx xxx xxx xxx xxx xxx $0.00 $4,072.76 $9,465.96 xxx xxx xxx xxx Monthly 0.00% 45.51% 45.51% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 33 26 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       763                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA PATRIOT ACT xxx xxx xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx 88.15 xxx 88.15 No 70.0 Yes xxx xxx xxx xxx 1
4000122359     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 9125 xxx 6.120%   No AUS No 6.699%   6.500%   $4,048.40 No   xxx xxx xxx xxx xxx xxx $0.00 $5,142.68 $6,547.32     $0.00     0.00% 47.62% 47.62% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 24 26 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2026, 2025, 2024 Borrower - 2026, 2025, 2024 xxx xxx xxx xxx xxx xxx xxx       730                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien   Other USA Patriot Act xxx xxx xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx 10.05 xxx 10.05 No 70.0 N/A xxx xxx xxx xxx 1
4000119429     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.625%   $3,201.55 No   xxx xxx xxx xxx xxx xxx $0.00 $4,368.46 $0.00     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 0.847 0.81 N/A Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       778                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 112.65 No 53.19 N/A xxx xxx xxx xxx 1
4000121131     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 8500 xxx 6.020%   No AUS No 6.589%   6.375%   $2,745.03 No   xxx xxx xxx xxx xxx xxx $0.00 $3,555.38 $8,827.62 xxx xxx xxx xxx Monthly 0.00% 29.38% 29.38% No No             Employed Employed         Written Verification of Employment 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 45 26 FNMA 1005 Yes 45 26 FNMA 1005 No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 || Co Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 || Co Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx xxx     756                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA PATRIOT ACT xxx xxx xxx     I-551 Permanent Resident Card    xxx Permanent Resident Alien Permanent Resident Alien N/A Other USA PATRIOT ACT xxx xxx xxx     I-551 Permanent Resident Card   xxx                                                     Fee Simple No No N/A xxx 3.56 xxx 3.56 No 65.67 N/A xxx xxx xxx xxx 1
4000119965     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 7412.5 xxx 5.990%   No AUS No 6.502%   6.125%   $1,610.17 No   xxx xxx xxx xxx xxx xxx $0.00 $2,024.20 $4,691.66     $0.00     0.00% 34.35% 34.35% No               Self-Employed           2YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     Third-Party Prepared (Unaudited) 24 Tax Preparer       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       760                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 122.72 No 41.73 N/A xxx xxx xxx xxx 1
4000121223     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 4995 xxx 6.020%   No AUS No 6.309%   6.000%   $1,061.20 No   xxx xxx xxx xxx xxx xxx $0.00 $1,449.26 $5,419.74     $0.00     0.00% 32.25% 32.25% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 55 26 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       790                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien   Other USA PATRIOT ACT xxx xxx xxx     I-151 Permanent Resident Card   xxx                                                                               Fee Simple No No N/A xxx .01 xxx 0.01 No 64.36 N/A xxx xxx xxx xxx 1
4000122286     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2390 xxx 6.120%   No AUS No 6.392%   6.375%   $12,477.40 No   xxx xxx xxx xxx xxx xxx $0.00 $15,703.93 $41,280.93     $0.00     0.00% 45.44% 45.44% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 182 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       780                               NA     0       0     0     0   0 0 0 Unknown No   No US Citizen US Citizen N/A Enhanced Driver's License (MI, MN, NY, VT, WA)   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 104.44 xxx 104.44 No 43.72 N/A xxx xxx xxx xxx 1
4000122606     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2720 xxx 6.150%   No AUS No 7.642%   8.625%   $4,791.18 No   xxx xxx xxx xxx xxx xxx $0.00 $5,352.48 $7,806.65     $0.00     0.00% 40.43% 46.16% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 37 25 Work Number     0   No 0     Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - 2026, 2025, 2024 Borrower - 2026, 2025, 2024 xxx xxx xxx xxx xxx xxx xxx       814                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA Patriot Act xxx xxx xxx     I-151 Permanent Resident Card   xxx                                                                               Fee Simple No No N/A xxx 71.49 xxx 71.49 No 70.0 N/A xxx xxx xxx xxx 1
4000121407     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 15075 xxx 6.020%   No AUS No 6.464%   6.375%   $3,400.09 No   xxx xxx xxx xxx xxx xxx $0.00 $4,599.57 $9,537.18     $0.00     0.00% 35.13% 35.13% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 100.00%     Audited 14 CPA       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       768                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .46 xxx 0.46 No 49.55 N/A xxx xxx xxx xxx 1
4000119981     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 10450 xxx 5.980%   No AUS No 6.497%   6.250%   $2,770.73 No   xxx xxx xxx xxx xxx xxx $0.00 $3,423.87 $12,000.01     $0.00     0.00% 22.37% 22.37% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 42 26 FNMA 1005     0   No 0   N/A Borrower - Wage, Commission, Overtime - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       814                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .34 xxx 0.34 No 65.22 N/A xxx xxx xxx xxx 1
4000122191     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 10902 xxx 6.120%   No AUS No 6.822%   6.500%   $2,513.10 No   xxx xxx xxx xxx xxx xxx $0.00 $3,874.82 $6,361.12 xxx xxx xxx xxx Monthly 0.00% 40.96% 40.96% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 33 26 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       765                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 4.25 No 80.0 Yes xxx xxx xxx xxx 1
4000122735     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.000%   $4,436.67 No   xxx xxx xxx xxx xxx xxx $0.00 $5,674.65 $0.00     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.727 1.72 N/A Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       784                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 16.29 xxx 16.29 No 50.0 N/A xxx xxx xxx xxx 3
4000120630     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     5.750%   $984.78 No   xxx xxx xxx xxx xxx xxx $0.00 $1,562.69 $0.00 xxx xxx xxx xxx Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%     Stocks/Bonds   0           0 No     0 0       0   Yes 1.293 1.293   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       776                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 170.56 xxx 170.56 No 75.0 N/A xxx xxx xxx xxx 1
4000120628     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     5.750%   $984.78 No   xxx xxx xxx xxx xxx xxx $0.00 $1,533.63 $0.00 xxx xxx xxx xxx Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.271 1.271   Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       776                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 173.82 xxx 173.82 No 75.0 N/A xxx xxx xxx xxx 1
4000122331     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 8950 xxx 6.120%   No AUS No 6.619%   6.250%   $1,539.29 No   xxx xxx xxx xxx xxx xxx $0.00 $2,075.61 $12,456.39     $0.00     0.00% 14.43% 14.43% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 100.00%     Audited 14 CPA       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       811                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA PATRIOT ACT xxx xxx xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx .00 xxx 115.47 No 42.37 N/A xxx xxx xxx xxx 1
4000119752     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 11245 xxx 5.980%   No AUS No 6.325%   6.250%   $3,694.30 No   xxx xxx xxx xxx xxx xxx $0.00 $4,909.80 $8,749.37     $0.00     0.00% 39.78% 39.78% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 46 36 FNMA 1005     0   No 0   N/A Borrower - Wage, Bonus - Written VOE Verified - 2024, 2025, 2023 Borrower - 2024, 2025, 2023 xxx xxx xxx xxx xxx xxx xxx       706                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Real ID Driver's License   xxx xxx xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx 10.20 xxx 10.2 No 54.55 N/A xxx xxx xxx xxx 1
4000120205     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 1850 xxx 5.990%   No AUS No 6.412%   6.375%   $4,859.95 No   xxx xxx xxx xxx xxx xxx $0.00 $6,022.49 $20,477.34     $0.00     0.00% 28.67% 28.67% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     Third-Party Prepared (Unaudited) 14 CPA       Yes 24 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       797                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT CUSTOMER IDENTIFICATION VERIFICATION xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 13.76 xxx 13.98 No 67.16 N/A xxx xxx xxx xxx 1
4000122342     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 16570 xxx 6.120%   No AUS No 6.577%   6.375%   $5,390.24 No   xxx xxx xxx xxx xxx xxx $0.00 $5,921.99 $10,856.01     $0.00     0.00% 37.97% 37.97% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     Audited 13 CPA       Yes 60 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       739                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 80.92 No 64.96 N/A xxx xxx xxx xxx 1
4000120637     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     5.750%   $984.78 No   xxx xxx xxx xxx xxx xxx $0.00 $1,509.33 $0.00 xxx xxx xxx xxx Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.325 1.325   Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       776                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 176.61 xxx 176.61 No 75.0 N/A xxx xxx xxx xxx 1
4000121187     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 11695 xxx 6.020%   No AUS No 6.541%   6.250%   $2,924.66 No   xxx xxx xxx xxx xxx xxx $0.00 $3,990.68 $6,009.32     $0.00     0.00% 44.78% 44.78% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     3 0 NA   No No 0 No No N/A 0 0 No       0.00% 100.00%   Proceeds from Sale Audited 12 Tax Preparer       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       776                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 64.47 xxx 64.47 No 50.0 N/A xxx xxx xxx xxx 1
4000122290     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 11135 xxx 6.120%   No AUS No 6.295%   6.125%   $5,857.37 No   xxx xxx xxx xxx xxx xxx $0.00 $7,744.38 $11,563.95 xxx xxx xxx xxx Monthly 0.00% 43.99% 43.99% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 49 26 FNMA 1005     0   No 0     Borrower - Wage, Bonus - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       802                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 0.26 No 74.44 N/A xxx xxx xxx xxx 1
4000122642     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 7345 xxx 6.120%   No AUS No 6.571%   6.375%   $3,100.63 No   xxx xxx xxx xxx xxx xxx $0.00 $4,023.85 $8,831.15     $0.00     0.00% 32.07% 32.07% No   4           Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 34 26 FNMA 1005     0   No 0   N/A Borrower - Wage, Bonus - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       798                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 4.02 xxx 4.02 No 67.9 N/A xxx xxx xxx xxx 1
4000124383     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2450 xxx 6.220%   No AUS No 7.008%   7.000%   $23,285.59 No   xxx xxx xxx xxx xxx xxx $0.00 $33,199.98 $74,366.78     $0.00     0.00% 45.13% 45.13% No No             Employed Not Employed         1YR Full Doc 1 0 1 Month NA N/A 0 N/A 0 0 0 0 0 3 1 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - Wage, Other, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 || Co Borrower Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 || Co Borrower xxx xxx xxx xxx xxx xxx xxx xxx     804                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A     US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                         Fee Simple No No N/A xxx 13.84 xxx 13.84 No 38.55 N/A xxx xxx xxx xxx 1
4000121172     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 9606.25 xxx 6.020%   No AUS No 6.532%   6.500%   $4,582.49 No   xxx xxx xxx xxx xxx xxx $0.00 $5,813.20 $19,042.07     $0.00     0.00% 29.66% 29.66% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     Audited 14 Accountant/Bookkeeper       Yes 60 No   NA 0 0 N/A     0   No 0   N/A Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       764                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 0.32 No 48.33 N/A xxx xxx xxx xxx 1
4000122201     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 9820 xxx 6.120%   No AUS No 6.609%   6.500%   $2,907.51 No   xxx xxx xxx xxx xxx xxx $0.00 $7,005.38 $59,702.81 xxx xxx xxx xxx Monthly 0.00% 31.43% 31.43% Yes               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     Audited 14 Tax Preparer       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2026, 2025 Borrower - 2026, 2025 xxx xxx xxx xxx xxx xxx xxx       727                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA Patriot Act xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 31.28 xxx 31.28 No 39.66 N/A xxx xxx xxx xxx 1
4000120734     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 3302 xxx 6.020%   No AUS No 6.477%   6.375%   $2,133.64 No   xxx xxx xxx xxx xxx xxx $0.00 $2,521.00 $5,120.80     $0.00     0.00% 39.76% 39.76% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 26 40 FNMA 1005     0   No 0   N/A Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       770                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 1.96 xxx 1.96 No 54.72 N/A xxx xxx xxx xxx 1
4000122199     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 9992.5 xxx 6.120%   No AUS No 6.452%   6.250%   $3,321.79 No   xxx xxx xxx xxx xxx xxx $0.00 $4,252.13 $10,217.10     $0.00     0.00% 37.20% 37.20% Yes               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 40 26 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       806                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 24.54 xxx 24.54 No 64.38 N/A xxx xxx xxx xxx 1
4000120898     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2570 xxx 6.020%   No AUS No 6.570%   6.500%   $7,158.80 No   xxx xxx xxx xxx xxx xxx $0.00 $9,437.05 $15,551.51 xxx xxx xxx xxx Monthly 0.00% 42.75% 42.75% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 100.00%     N/A 0 N/A       NA 0 No   Yes 26 26 FNMA 1005     0   No 0   N/A Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       705                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Standard Driver's License - Not for federal use   xxx xxx xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx 51.86 xxx 52.29 No 70.0 N/A xxx xxx xxx xxx 1
4000121336     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 6239.76 xxx 6.020%   No AUS No 6.652%   6.375%   $1,707.53 No   xxx xxx xxx xxx xxx xxx $0.00 $2,524.27 $10,105.73 xxx xxx xxx xxx Annually 0.00% 26.24% 26.24% No No             Employed Employed         Written Verification of Employment 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 100.00% 100.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 26 26 FNMA 1005 Yes 25 25 FNMA 1005 No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 || Co Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 || Co Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx xxx     743                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA PATRIOT ACT xxx xxx xxx     I-551 Permanent Resident Card    xxx Permanent Resident Alien Permanent Resident Alien N/A Other USA PATRIOT ACT  xxx xxx xxx     I-551 Permanent Resident Card   xxx                                                     Fee Simple No No N/A xxx .00 xxx 9.77 No 70.0 N/A xxx xxx xxx xxx 1
4000123404     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.000%   $2,531.57 No   xxx xxx xxx xxx xxx xxx $0.00 $3,997.19 $0.00     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00% 0.00%       0           0 No     0 0       0   Yes 1.376 1.39 N/A Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxx xxx xxx xxx xxx xxx xxx       809                               NA     0       0     0     0   0 0 0 Yes No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 8.68 xxx 8.68 No 33.71 N/A xxx xxx xxx xxx 1
4000124122     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 6490 xxx 6.180%   No AUS No 7.811%   8.625%   $2,932.27 No   xxx xxx xxx xxx xxx xxx $0.00 $3,779.71 $5,944.28     $0.00     0.00% 41.56% 40.56% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 26 26 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       774                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Real ID Driver's License   xxx xxx xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx 1.50 xxx 1.5 No 55.85 N/A xxx xxx xxx xxx 1
4000122610     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 1575 xxx 6.120%   No AUS No 6.201%   6.125%   $5,043.17 No   xxx xxx xxx xxx xxx xxx $0.00 $6,551.56 $11,448.44     $0.00     0.00% 36.40% 36.40% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 26 26 FNMA 1005     0   No 0     Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       793                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA PATRIOT ACT xxx xxx xxx     I-151 Permanent Resident Card   xxx                                                                               Fee Simple No No N/A xxx .86 xxx 0.86 No 64.84 N/A xxx xxx xxx xxx 1
4000122644     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2570 xxx 6.020%   No AUS No 6.450%   6.375%   $5,502.53 No   xxx xxx xxx xxx xxx xxx $0.00 $7,226.94 $10,423.91 xxx xxx xxx xxx Monthly 0.00% 47.88% 47.88% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 26 26 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       748                               NA     0       0     0     0   0 0 0 No No   No Non Permanent Resident Alien Non-Permanent Resident Alien N/A Real ID Driver's License   xxx xxx xxx     Employment Authorization Document (I-821D)   xxx                                                                               Fee Simple No No N/A xxx 7.95 xxx 7.95 No 70.0 N/A xxx xxx xxx xxx 1
4000125030     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     5.875%   $2,351.95 No   xxx xxx xxx xxx xxx xxx $0.00 $3,008.14 $10,413.13     $0.00     0.00% 18.19% 18.19% Yes               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 60 27 FNMA 1005     0   No 0     Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       810                               NA     0       0     0     0   0 0 0 Unknown No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 6.42 xxx 6.42 No 69.75 N/A xxx xxx xxx xxx 1
4000124852     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2450 xxx 6.430%   No AUS No 6.629%   6.500%   $3,564.86 No   xxx xxx xxx xxx xxx xxx $0.00 $6,381.11 $12,555.89 xxx xxx xxx xxx Monthly 0.00% 37.22% 37.22% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 36 26 FNMA 1005     0   No 0   N/A Borrower - Wage, Bonus - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       781                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA Patriot Act xxx xxx xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx 56.37 xxx 56.37 No 30.0 Yes xxx xxx xxx xxx 1
4000123380     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 7907.5 xxx 6.220%   No AUS No 7.339%   7.250%   $3,524.12 No   xxx xxx xxx xxx xxx xxx $0.00 $4,614.86 $29,067.94     $0.00     0.00% 43.45% 43.45% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%   Stocks/Bonds Audited 14 CPA       Yes 72 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - 2026, 2025 Borrower - 2026, 2025 xxx xxx xxx xxx xxx xxx xxx       803                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA Patriot Act xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 12.08 xxx 12.08 No 66.06 N/A xxx xxx xxx xxx 1
4000123047     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 6415 xxx 6.220%   No AUS No 7.274%   7.125%   $3,206.90 No   xxx xxx xxx xxx xxx xxx $0.00 $4,005.07 $7,930.93     $0.00     0.00% 36.55% 36.55% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 89 27 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       763                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 2.09 xxx 2.09 No 80.0 N/A xxx xxx xxx xxx 1
4000122365     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 12290 xxx 6.120%   No AUS No 6.710%   6.375%   $3,381.37 No   xxx xxx xxx xxx xxx xxx $0.00 $4,493.28 $10,370.22 xxx xxx xxx xxx Monthly 0.00% 31.89% 31.89% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     Third-Party Prepared (Unaudited) 14 Tax Preparer       Yes 82 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       771                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .38 xxx 0.72 No 74.76 Yes xxx xxx xxx xxx 1
4000122589     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     8.625%   $11,375.17 No   xxx xxx xxx xxx xxx xxx $0.00 $12,406.25 $57,015.82     $0.00     0.00% 43.24% 43.24% Yes               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     Audited 14 CPA       Yes 24 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       784                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other US PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 56.48 No 65.0 N/A xxx xxx xxx xxx 1
4000124607     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 5230 xxx 6.430%   No AUS No 6.717%   6.375%   $1,048.10 No   xxx xxx xxx xxx xxx xxx $0.00 $1,790.47 $2,340.20     $0.00     0.00% 44.89% 44.89% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 39 27 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       812                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other US PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 4.97 xxx 4.97 No 33.94 N/A xxx xxx xxx xxx 1
4000123051     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 1540 xxx 6.220%   No AUS No 6.509%   6.500%   $18,962.04 No   xxx xxx xxx xxx xxx xxx $0.00 $25,202.26 $1,541,582.47     $0.00     0.00% 2.99% 2.99% No No             Self-Employed Not Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 100.00% 99.00%     N/A 0 N/A N/A N/A 0 Yes 24 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 || Co Borrower Borrower - 2 YRS Executed 4506T Verified - 2026, 2025 || Co Borrower xxx xxx xxx xxx xxx xxx xxx xxx     768                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA Patriot Act xxx xxx xxx     N/A     US Citizen US Citizen N/A Other USA Patriot Act xxx xxx xxx     N/A                                                         Fee Simple No No N/A xxx 94.02 xxx 94.02 No 48.0 N/A xxx xxx xxx xxx 1
4000124372     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2720 xxx 6.430%   No AUS No 6.473%   6.375%   $3,730.74 No   xxx xxx xxx xxx xxx xxx $0.00 $4,864.98 $9,018.02     $0.00     0.00% 39.88% 39.88% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 38 27 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       774                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA Patriot Act xxx xxx xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx 2.84 xxx 2.84 No 65.0 N/A xxx xxx xxx xxx 1
4000124850     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 10564.01 xxx 6.430%   No AUS No 6.854%   6.250%   $1,402.91 No   xxx xxx xxx xxx xxx xxx $0.00 $2,209.24 $5,105.76 xxx xxx xxx xxx Annually 0.00% 36.18% 36.18% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 37 26 FNMA 1005     0   No 0     Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       752                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 15.29 xxx 15.29 No 71.2 N/A xxx xxx xxx xxx 1
4000126567     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2490 xxx 6.430%   No AUS No 7.562%   7.500%   $5,822.71 No   xxx xxx xxx xxx xxx xxx $0.00 $7,036.41 $10,835.59     $0.00     0.00% 44.43% 44.43% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 26 26 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2026, 2025, 2024 Borrower - 2026, 2025, 2024 xxx xxx xxx xxx xxx xxx xxx       717                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA Patriot Act xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 4.62 xxx 4.62 No 79.31 N/A xxx xxx xxx xxx 1
4000125029     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2720 xxx 6.430%   No AUS No 6.659%   6.625%   $7,305.95 No   xxx xxx xxx xxx xxx xxx $0.00 $8,798.44 $15,998.56     $0.00     0.00% 37.26% 37.26% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 27 27 Other     0   No 0     Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       776                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 4.28 xxx 4.28 No 57.05 N/A xxx xxx xxx xxx 1
4000123105     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.000%   $5,413.90 No   xxx xxx xxx xxx xxx xxx $0.00 $6,641.53 $15,478.76     $0.00     0.00% 33.88% 33.88% Yes Yes             Self-Employed Employed         1YR Business P&L 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 100.00% 0.00%   Third-Party Prepared (Unaudited) 14 Accountant/Bookkeeper N/A N/A 0 Yes 36 No 0 NA 0 0 N/A Yes 24 24 Work Number No 0   N/A Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 || Co Borrower - Wage - Written VOE Verified - 2025, 2024, 2023, 2022 Borrower - 2025, 2026 || Co Borrower - 2025, 2024, 2023, 2022 xxx xxx xxx xxx xxx xxx xxx xxx     781                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A     US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                         Fee Simple No No N/A xxx 8.94 xxx 8.94 No 75.0 N/A xxx xxx xxx xxx 1
4000123060     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2245 xxx 6.220%   No AUS No 7.087%   7.000%   $2,887.41 No   xxx xxx xxx xxx xxx xxx $0.00 $3,849.02 $5,556.98 xxx xxx xxx xxx Monthly 0.00% 41.22% 41.22% No No             Employed Not Employed         Written Verification of Employment 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 48 26 FNMA 1005 NA 0 0 N/A No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 || Co Borrower Borrower - 2024, 2025, 2026 || Co Borrower xxx xxx xxx xxx xxx xxx xxx xxx     773                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA Patriot Act xxx xxx xxx     I-551 Permanent Resident Card    xxx Permanent Resident Alien Permanent Resident Alien N/A Other USA Patriot Act xxx xxx xxx     I-551 Permanent Resident Card   xxx                                                     Fee Simple No No N/A xxx .77 xxx 0.77 No 70.0 N/A xxx xxx xxx xxx 1
4000122543     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 11961.16 xxx 6.120%   No AUS No 6.307%   6.000%   $2,367.63 No   xxx xxx xxx xxx xxx xxx $0.00 $3,578.91 $4,220.92 xxx xxx xxx xxx Monthly 0.00% 49.22% 49.22% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 12 12 No       100.00% 100.00%   Stocks/Bonds,Stocks/Bonds N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       800                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 6.97 xxx 6.97 No 72.47 N/A xxx xxx xxx xxx 1
4000123391     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.625%   $5,122.49 No   xxx xxx xxx xxx xxx xxx $0.00 $6,949.78 $15,581.52     $0.00     0.00% 42.80% 42.80% Yes               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%   Proceeds from Sale N/A 0 N/A       NA 0 No   Yes 62 27 FNMA 1005     0   No 0   N/A Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       790                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 8.15 xxx 8.15 No 53.33 N/A xxx xxx xxx xxx 1
4000122819     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.875%   $2,562.02 No   xxx xxx xxx xxx xxx xxx $0.00 $2,835.08 $5,038.06     $0.00     0.00% 45.81% 45.81% Yes               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     3 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     Third-Party Prepared (Unaudited) 14 Tax Preparer       Yes 108 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       795                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx .00 xxx 74.19 No 60.0 N/A xxx xxx xxx xxx 1
4000124505     xxx xxx xxx Yes xxx xxx xxx xxx xxx ATR/QM: Exempt Yes No No N/A Alternative ATR Documentation 31794.99 xxx 6.430%   No AUS No 6.910%   6.750%   $12,971.96 No   xxx xxx xxx xxx xxx xxx $0.00 $16,887.11 $22,659.85 xxx xxx xxx xxx Monthly 0.00% 45.70% 45.70% No               Not Employed           Asset Depletion – Debt Ratio Calculation 0   NA   N/A 0     0 0     2 0 NA   Yes No 84.0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified - 2026 Borrower - 2 YRS Executed 4506T Verified - 2026 xxx xxx xxx xxx xxx xxx xxx       794                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 207.59 xxx 207.59 No 76.92 N/A xxx xxx xxx xxx 1
4000124129     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2720 xxx 6.430%   No AUS No 6.841%   6.750%   $3,839.70 No   xxx xxx xxx xxx xxx xxx $0.00 $5,308.10 $8,932.90 xxx xxx xxx xxx Monthly 0.00% 42.37% 42.37% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 35 27 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       763                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA PATRIOT ACT  xxx xxx xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx 8.84 xxx 8.84 No 80.0 N/A xxx xxx xxx xxx 1
4000125033     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2325 xxx 6.210%   No AUS No 7.848%   8.625%   $7,000.11 No   xxx xxx xxx xxx xxx xxx $0.00 $8,991.33 $18,876.22     $0.00     0.00% 30.42% 37.08% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%   Stocks/Bonds N/A 0 N/A       NA 0 No   Yes 39 27 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       699                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 9.23 xxx 9.23 No 49.98 N/A xxx xxx xxx xxx 1
4000124511     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2720 xxx 6.210%   No AUS No 7.765%   8.625%   $6,728.81 No   xxx xxx xxx xxx xxx xxx $0.00 $7,989.44 $12,690.83     $0.00     0.00% 40.41% 39.68% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 26 27 FNMA 1005     0   No 0   N/A Borrower - Wage, Bonus - Written VOE Verified - 2025, 2024, 2026 Borrower - 2025, 2024, 2026 xxx xxx xxx xxx xxx xxx xxx       791                               NA     0       0     0     0   0 0 0 No No   No Non Permanent Resident Alien Non-Permanent Resident Alien   Other USA PATRIOT ACT xxx xxx xxx     Employment Authorization Document (I-821D)   xxx                                                                               Fee Simple No No N/A xxx .00 xxx 0 No 80.0 N/A xxx xxx xxx xxx 1
4000127595     xxx xxx xxx Yes xxx xxx xxx xxx xxx ATR/QM: Exempt Yes No No N/A Alternative ATR Documentation 55695 xxx 6.300%   No AUS No 6.789%   6.490%   $12,375.65 No   xxx xxx xxx xxx xxx xxx $0.00 $16,299.86 $19,215.46 xxx xxx xxx xxx Monthly 0.00% 46.11% 46.11% No               Not Employed           Asset Depletion – Debt Ratio Calculation 0   NA   N/A 0     0 0     2 0 Yes   Yes Yes 84.0 No Yes Yes 2 0 No       85.09% 0.00%   Proceeds from Sale N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - Asset Depletion, Other - 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       782                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA Patriot Act xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 111.52 xxx 111.52 No 80.0 N/A xxx xxx xxx xxx 1
4000124569     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 5558.13 xxx 6.430%   No AUS No 6.597%   6.375%   $1,843.54 No   xxx xxx xxx xxx xxx xxx $0.00 $3,111.74 $6,541.63 xxx xxx xxx xxx Monthly 0.00% 36.01% 36.01% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     Audited 15 CPA       Yes 52 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       810                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 15.37 xxx 15.37 No 35.39 N/A xxx xxx xxx xxx 1
4000125415     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 2570 xxx 6.430%   No AUS No 7.062%   7.000%   $3,279.94 No   xxx xxx xxx xxx xxx xxx $0.00 $4,715.58 $14,431.42     $0.00     0.00% 27.11% 27.11% No               Employed           Written Verification of Employment 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 27 27 FNMA 1005     0   No 0   N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       809                               NA     0       0     0     0   0 0 0 No No   No Permanent Resident Alien Permanent Resident Alien N/A Other USA PATRIOT ACT xxx xxx xxx     I-551 Permanent Resident Card    xxx                                                                               Fee Simple No No N/A xxx 36.70 xxx 36.7 No 76.43 N/A xxx xxx xxx xxx 1
4000124859     xxx xxx xxx No xxx xxx xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternative ATR Documentation 14320 xxx 6.430%   No AUS No 6.986%   6.875%   $3,381.87 No   xxx xxx xxx xxx xxx xxx $0.00 $4,598.39 $10,845.86     $0.00     0.00% 32.46% 32.46% No               Self-Employed           1YR Business P&L 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%   Stocks/Bonds Third-Party Prepared (Unaudited) 15 Tax Preparer       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       783                               NA     0       0     0     0   0 0 0 No No   No US Citizen US Citizen N/A Other USA PATRIOT ACT xxx xxx xxx     N/A                                                                                   Fee Simple No No N/A xxx 127.27 xxx 127.27 No 49.5 N/A xxx xxx xxx xxx 1