Exhibit 99.04 - Schedule 7
| Loan ID | Redaction ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| XXXX | 2138676 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 9571.76 | 6.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2021.01 | Yes | Employed | Retired | No | No | No | |
| XXXX | 2137549 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.512 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26815.12 | Yes | Employed | No | No | ||||
| XXXX | 2137550 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.404 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 94338.97 | N/A | Employed | No | No | ||||
| XXXX | 2147762 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | 2176980 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | Yes | 28231.5 | 7.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6051.63 | Yes | Employed | No | No | |||
| XXXX | 2177005 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Present | |||||||||||
| XXXX | 2177016 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | 2176983 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 24792.03 | 8.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48837.4 | Yes | Employed | Employed | No | No | No | |
| XXXX | 2171411 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 28260 | 8.744 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 1405515.71 | N/A | Employed | No | No | |||
| XXXX | 2175455 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1590 | 7.759 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45191.56 | Yes | Employed | No | No |