EFMT DEPOSITOR LLC ABS-15G

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
2179918     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.375%   xxx Yes 12.000% xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 42.07% 42.07% Yes               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       0.00% 100.00%     N/A 0 N/A       Yes 117 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 Unknown N/A xxx 228.04 xxx 228.04 No 80.0 N/A xxx xxx xxx xxx 1
2170890     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 xxx xxx xxx   No AUS No xxx   6.750%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx xxx xxx xxx xxx Annually 0.00% 34.14% 34.14% Yes Yes             Employed Employed         2YR Full Doc 2 2 2+ Months 2+ Months N/A 0 N/A 0 0 0 0 0 3 2 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 207 207 Work Number Yes 63 63 Work Number No 0   N/A Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx xxx     xxx                               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     US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                         Fee Simple No No N/A xxx 79.22 xxx 79.22 No 85.0 N/A xxx xxx xxx xxx 1
2165597     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 xxx xxx xxx   No AUS No xxx   6.875%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 24.08% 24.08% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       0.00% 100.00%     N/A 0 N/A       Yes 60 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 15.90 xxx 15.9 No 90.0 N/A xxx xxx xxx xxx 1
2165599     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 xxx xxx xxx   No AUS No xxx   8.125%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 43.74% 43.74% No               Self-Employed           12 Month Bank Statement 2   2+ Months   N/A 0     0 0     3 2 NA   No No 0 No Yes Yes 0 12 No       64.84% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 10.93 xxx 10.93 No 90.0 N/A xxx xxx xxx xxx 1
2165598     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 xxx xxx xxx   No AUS No xxx   6.500%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx xxx xxx xxx xxx Monthly 0.00% 26.82% 26.82% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 11.86 xxx 11.86 No 50.0 Yes xxx xxx xxx xxx 1
2165596     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 xxx xxx xxx   No AUS No xxx   7.625%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 40.67% 40.67% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 8.06 xxx 8.06 No 85.0 N/A xxx xxx xxx xxx 1
2167239     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 xxx xxx xxx   No AUS No xxx   7.625%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx xxx xxx xxx xxx Annually 0.00% 43.70% 43.70% No No             Self-Employed Employed         24 Month Bank Statement 0 1 NA 1 Month N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No Yes Yes 0 24 No Yes 0 0 51.85% 100.00% 0.00%   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 - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026 || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx xxx     xxx                               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     US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                         Fee Simple No No N/A xxx 6.56 xxx 6.56 No 90.0 N/A xxx xxx xxx xxx 1
2167236     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 xxx xxx xxx   No AUS No xxx   6.875%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 27.47% 27.47% No               Self-Employed           24 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 24 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 9.18 xxx 9.18 No 85.0 N/A xxx xxx xxx xxx 1
2179917     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 xxx xxx xxx   No AUS No xxx   6.999%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 33.45% 33.45% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     2 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 Borrower - 2 YRS Executed 4506T Verified - 2026, 2025 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 13.17 xxx 13.17 No 80.0 N/A xxx xxx xxx xxx 1
2167238     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 xxx xxx xxx   No AUS No xxx   7.625%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 43.32% 43.32% 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       0.00% 100.00%     N/A 0 N/A       Yes 24 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 - 2025, 2026 Borrower - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 6.61 xxx 6.61 No 85.0 N/A xxx xxx xxx xxx 1
2170891     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 xxx xxx xxx   No AUS No xxx   6.500%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 44.68% 44.68% 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 24 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       xxx                               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 6.40 xxx 6.4 No 85.0 N/A xxx xxx xxx xxx 1
2182148     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.750%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $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%   Stocks/Bonds,Stocks/Bonds   0           0 No     0 0       0   Yes 2.501 2.418   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                                           NA     0       0     0     0         Yes No   No Foreign National Foreign National N/A Passport   xxx xxx xxx xxx xxx Work Visa    xxx                                                                               Fee Simple No No N/A xxx 220.37 xxx 234.21 No 70.0 N/A xxx xxx xxx xxx 1
2167237     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 xxx xxx xxx   No AUS No xxx   7.250%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx xxx xxx xxx xxx Monthly 0.00% 41.34% 41.34% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 7.24 xxx 7.24 No 90.0 N/A xxx xxx xxx xxx 1
2173118     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 xxx xxx xxx   No AUS No xxx   6.875%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 39.85% 39.85% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 19.23 xxx 19.23 No 57.14 N/A xxx xxx xxx xxx 1
2173123     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 xxx xxx xxx   No AUS No xxx   7.500%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx xxx xxx xxx xxx Annually 0.00% 10.66% 10.66% No               Self-Employed           24 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 24 No       0.00% 100.00%     N/A 0 N/A       Yes 240 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 40.09 No 80.0 N/A xxx xxx xxx xxx 1
2173119     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 xxx xxx xxx   No AUS No xxx   7.125%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 43.66% 43.66% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 Stamp and Passport   xxx                                                                               Fee Simple No No N/A xxx .00 xxx 7.36 No 75.0 N/A xxx xxx xxx xxx 1
2173125     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 xxx xxx xxx   No AUS No xxx   7.500%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 25.99% 25.99% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       0.00% 100.00%   Stocks/Bonds N/A 0 N/A       Yes 25 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 28.91 xxx 28.91 No 80.0 N/A xxx xxx xxx xxx 1
2179919     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.375%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $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 1.004 1.004   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       xxx                               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 xxx xxx N/A                                                                                   Fee Simple No Unknown N/A xxx 7.33 xxx 7.33 No 80.0 N/A xxx xxx xxx xxx 1
2179920     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 xxx xxx xxx   No AUS No xxx   6.375%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 31.44% 31.44% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     2 0 NA   No No 0 No Yes Yes 0 12 No       97.45% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SEPartnership, SESoleProprietor, Retirement, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 Borrower - 2 YRS Executed 4506T Verified - 2026, 2025 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 71.71 No 79.78 N/A xxx xxx xxx xxx 1
2179966     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable Yes No No N/A N/A         No AUS No     7.750%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $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 1.191 1.191 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       xxx                               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 .00 xxx 72.2 No 70.0 N/A xxx xxx xxx xxx 1
2179963     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     6.750%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 47.92% 47.92% Yes               Employed           1YR Full Doc 1   2+ Months   N/A 0     0 0     3 0 NA   No No 0 No No Yes 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, Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 13.70 xxx 15.05 No 80.0 N/A xxx xxx xxx xxx 1
2179962     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%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 25.08% 25.08% Yes Yes             Not Employed Employed         2YR Full Doc 0 2 NA 1 Month N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No N/A 0 0 No Yes 0 0 0.00% 0.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A Yes 156 29 Other No 0   N/A Borrower - Subject Property Net Rental Income(Loss) if NOO || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2026 Borrower || Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx xxx     xxx                               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     US Citizen US Citizen N/A Real ID Driver's License   xxx xxx xxx     N/A                                                         Fee Simple No No N/A xxx 355.81 xxx 355.81 No 65.92 N/A xxx xxx xxx xxx 1
2179964     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.625%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx $0.00 xxx xxx xxx xxx xxx xxx Annually 0.00% 43.75% 43.75% Yes               Employed           2YR Full Doc 2   NA   N/A 0     0 0     3 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 1 36 Work Number     0   No 0     Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 12.18 xxx 12.18 No 80.0 Yes xxx xxx xxx xxx 1
2179965     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.125%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 27.38% 27.38% Yes Yes             Employed Employed         2YR Full Doc 2 2 1 Month 1 Month N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A Yes 33 33 Work Number No 0   N/A Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx xxx     xxx                               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 38.19 xxx 38.19 No 80.0 N/A xxx xxx xxx xxx 1
2179045     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 xxx xxx xxx   No AUS No xxx   7.000%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 37.38% 37.38% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor - CPA Letter Verified, 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       xxx                               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 .00 xxx 24.09 No 80.0 N/A xxx xxx xxx xxx 1
2179969     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.125%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00% 0.00%       0       0   0 No 0   0 0     0 0   Yes 1.167 1.16 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 || Co 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 || Co 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 xxx     xxx                               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     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 56.85 No 70.0 N/A xxx xxx xxx xxx 1
2179967     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%   xxx Yes 35.000% xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $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 1.456 1.456 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       xxx                               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 115.21 No 62.22 N/A xxx xxx xxx xxx 1
2164807     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 xxx xxx xxx   No AUS No xxx   7.750%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 49.97% 49.97% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 12 0 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2026, 2025 Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown 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 3.80 xxx 4.87 No 80.0 N/A xxx xxx xxx xxx 1
2174663     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 xxx xxx xxx   No AUS No xxx   8.125%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 23.33% 23.33% No No             Not Employed Employed         2YR Full Doc 0 2 NA 1 Month N/A 0 N/A 0 0 0 0 0 3 1 NA NA No Yes 60.0 No Yes Yes 3 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 76 28 Work Number No 0   N/A Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2026, 2025 Borrower - 3 YRS Executed 4506T Verified - 2026 || Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2026, 2025 xxx xxx xxx xxx xxx xxx xxx xxx     xxx                               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 318.24 xxx 318.24 No 80.0 N/A xxx xxx xxx xxx 1
2183701     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 xxx xxx xxx   No AUS No xxx   7.750%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 20.78% 20.78% No               Self-Employed           24 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown 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 43.13 xxx 43.13 No 85.0 N/A xxx xxx xxx xxx 1
2187173     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.625%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 22.87% 22.87% Yes               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 220 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 142.71 xxx 152.79 No 75.0 N/A xxx xxx xxx xxx 1
2187174     xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A N/A         No AUS No     7.625%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx     $0.00     0.00% 24.92% 24.92% Yes               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 220 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 179.45 xxx 183.46 No 75.0 N/A xxx xxx xxx xxx 1
2187184     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 xxx xxx xxx   No AUS No xxx   7.875%   xxx No   xxx xxx xxx xxx xxx xxx $0.00 xxx xxx xxx xxx xxx xxx Annually 0.00% 4.78% 4.78% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxx xxx xxx xxx xxx xxx xxx       xxx                               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 17.31 xxx 17.31 No 90.0 N/A xxx xxx xxx xxx 1