EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.11 - Schedule 6

 

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 Questionnaire Flag 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 Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying 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 Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m 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 Subordinate Lien Max Draw Amount (HELOC) Subordinate Lien 2 Type Subordinate Lien 2 Max Draw Amount (HELOC) Subordinate Lien 3 Type Subordinate Lien 3 Max Draw Amount (HELOC) 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 Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Borrower 1 Trust Name Borrower 2 Trust Name Borrower 3 Trust Name Borrower 4 Trust Name
XXXX XXXX 2135970 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 7.750% 7.750% XXXX Yes 23.990% $1,012.56 $84.38 $1,002.84 $83.57 $0.00 $0.00 $0.00 $1,264.06   N/A XXXX   $0.00 XXXX   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       0   0 No 0   0 0     0 0   Yes 1.503 1.503 N/A 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 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 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 XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 766                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   IL XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 24671.58 19.5 28644.79 22.7 No 75.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2140011 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.375% 7.375% XXXX Yes 29.000% $3,177.00 $264.75 $1,524.60 $127.05 $0.00 $0.00 $0.00 $1,987.26   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.003 1 N/A 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 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 XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 763                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   GA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 26208.12 13.2 No 73.57 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2137738 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.500% 6.500% XXXX Yes 23.990% $5,361.24 $446.77 $999.60 $83.30 $3,396.00 $283.00 $0.00 $2,025.46   Yes XXXX SC $283.00 XXXX 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           0 No     0 0       0   Yes 1.136 1.122 N/A 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 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 XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 750                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   SC United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 26369.15 13.0 31596.53 15.6 No 67.83 No No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2137739 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.500% 6.500% XXXX Yes 23.990% $14,369.64 $1,197.47 $2,121.96 $176.83 $0.00 $0.00 $0.00 $6,195.13   N/A XXXX   $0.00 XXXX   0.00% 0.00% 0.00% Yes Yes 4 - Verified 2+ Mos 4 - Verified 2+ Mos 1 - Not Stated, Not Verified 1 - Not Stated, Not Verified 1 - Not Stated, Not Verified 1 - Not Stated, Not Verified Unknown Unknown Unknown Unknown .00 .00 Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 1.001 1.001 N/A 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 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 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 2 - 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 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 3 - 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 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 || Co Borrower 2 - 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 3 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 799 759 799 802 810 780 781 799 781 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   NJ XXXX XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   NJ XXXX XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   NJ XXXX XXXX   XXXX N/A XXXX XXXX Fee Simple XXXX No No N/A 656064.74 105.9 130673.05 21.1 No 71.72 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity Member on Behalf of Entity Member on Behalf of Entity XXXX XXXX XXXX XXXX
XXXX XXXX 2137742 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 6.750% 6.750% XXXX No   $1,454.52 $121.21 $989.04 $82.42 $0.00 $0.00 $0.00 $836.01   N/A XXXX   $0.00 XXXX   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%     Proceeds from Sale,Proceeds from Sale   0           0 No     0 0       0   Yes 1.854 1.854 N/A 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 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 XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX 772                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NY United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 102666.74 122.8 105582.08 126.3 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2137744 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 6.750% 6.750% XXXX Yes 23.990% $1,222.68 $101.89 $966.00 $80.50 $0.00 $0.00 $0.00 $814.77   N/A XXXX   $0.00 XXXX   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%     Proceeds from Sale,Proceeds from Sale   0           0 No     0 0       0   Yes 1.841 1.841   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 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 XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX 772                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 1 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NY United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 102666.74 126.0 105475.88 129.5 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2137745 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.625% 6.625% XXXX No   $11,957.04 $996.42 $5,144.76 $428.73 $0.00 $0.00 $0.00 $5,281.42   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.259 1.259 N/A 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 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 XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 732                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 246333.88 46.6 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2137746 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.125% 6.125% XXXX Yes 23.990% $22,935.00 $1,911.25 $3,027.00 $252.25 $0.00 $0.00 $0.00 $5,812.98   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.29 1.29 N/A 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 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 XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX 793                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Passport   N/A United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 215275.03 37.0 219502.43 37.8 No 38.65 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2161461 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 1595.0 02/25/2026 5.990% Manual Underwriting Manual Underwriting No 6.609%   6.500% 6.500% XXXX No   $1,868.28 $155.69 $2,513.04 $209.42 $0.00 $0.00 $0.00 $2,820.69 $3,072.31 N/A XXXX   $0.00 XXXX   51.41% 51.41% 51.41% 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%   Proceeds from Sale 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 XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 765                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TN United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 64507.28 22.9 64507.28 22.9 No 65.29 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2151718 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 13970.0 03/06/2026 5.980% Manual Underwriting Manual Underwriting No 9.261%   8.875% 8.875% XXXX No   $11,613.00 $967.75 $1,844.04 $153.67 $900.00 $75.00 $0.00 $5,238.30 $33,160.20 N/A XXXX TX $75.00 XXXX Annually 21.63% 21.48% 21.48% 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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 623                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 43376.87 8.3 43376.87 8.3 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2151776 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% XXXX No   $1,484.04 $123.67 $1,064.04 $88.67 $0.00 $0.00 $0.00 $828.21   N/A XXXX   $0.00 XXXX   3.12% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 2.807   N/A 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 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 XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 760                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Permanent Resident Alien Permanent Non-US Citizen N/A Real ID Driver's License   UT United States of America (USA) XXXX XXXX XXXX I-551 Permanent Resident Card  XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 68088.31 82.2 73946.87 89.3 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2161458 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 1595.0 03/03/2026 5.980% Manual Underwriting Manual Underwriting No 6.964%   6.875% 6.875% XXXX No   $7,521.00 $626.75 $627.00 $52.25 $5,544.00 $462.00 $0.00 $3,362.73 $11,686.71 Yes XXXX NH $462.00 XXXX Monthly 22.50% 22.50% 22.50% No               Not Employed           Asset Depletion – Debt Ratio Calculation 0   NA   N/A 0     0 0     3 0 NA   Yes No 84.0 No No Yes 0 0 No       0.00% 0.00%   Stocks/Bonds,Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - Asset Depletion - 3 YRS Executed 4506T Verified - 2026, 2025 Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 XXXX XXXX NH XXXX XXXX XXXX XXXX XXXX XXXX XXXX 786                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   NH United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 1460157.36 434.2 1460157.36 434.2 No 61.05 Yes No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2167076 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 15725.0 03/04/2026 5.980% Manual Underwriting Manual Underwriting No 7.225%   6.875% 6.875% XXXX No   $7,321.44 $610.12 $1,912.08 $159.34 $0.00 $0.00 $0.00 $4,185.49 $10,315.05 N/A XXXX   $0.00 XXXX   34.55% 34.55% 34.55% 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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 Borrower - 2 YRS Executed 4506T Verified - 2025 XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 737                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 361331.67 86.3 211331.67 50.5 No 78.2 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2167075 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 10049.0 02/17/2026 6.100% Manual Underwriting Manual Underwriting No 6.810%   6.500% 6.500% XXXX No   $7,037.52 $586.46 $1,913.16 $159.43 $0.00 $0.00 $0.00 $3,592.72 $124,468.93 N/A XXXX   $0.00 XXXX   11.65% 14.05% 14.05% No No             Not Employed Self-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 No N/A 0 0 Yes Yes 0 12 100.00% 0.00% 100.00%   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 - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified || Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 737                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 704258.22 196.0 704258.22 196.0 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2167083 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 2368.75 03/11/2026 6.020% Manual Underwriting Manual Underwriting No 8.571%   8.375% 8.375% XXXX No   $5,646.24 $470.52 $1,260.96 $105.08 $4,908.00 $409.00 $0.00 $2,728.97 $7,384.03 N/A XXXX TX $409.00 XXXX Monthly 33.02% 33.02% 33.02% No               Self-Employed           12 Month Bank Statement 2 YRS W2   1 Month   N/A 0     0 0     1 0 NA   No No 0 No Yes Yes 12 0 No       71.70% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - Wage, SESoleProprietor - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025, 2026 Borrower - Executed 4506T Verified - 2024, 2025, 2026 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 741                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 17844.79 6.5 17844.79 6.5 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2163771 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 30225.0 03/17/2026 6.120% Manual Underwriting Manual Underwriting No 7.183%   7.125% 7.125% XXXX No   $44,811.24 $3,734.27 $6,184.20 $515.35 $1,350.00 $112.50 $0.00 $14,063.67 $87,312.33 N/A XXXX TX $112.50 XXXX Annually 13.99% 13.98% 13.98% 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     Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 780                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 785723.79 55.9 1236933.60 88.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2163767 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 10623.0 03/16/2026 6.120% Manual Underwriting Manual Underwriting No 7.004%   6.875% 6.875% XXXX No   $3,039.60 $253.30 $2,895.00 $241.25 $0.00 $0.00 $0.00 $2,465.34 $4,956.99 N/A XXXX   $0.00 XXXX   48.81% 48.81% 48.81% No No             Self-Employed Not Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 100.00% 100.00%     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     Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 || Co Borrower - 2 YRS Executed 4506T Verified Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 || Co Borrower - 2 YRS Executed 4506T Verified XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 681                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   LA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   LA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 10229.10 4.2 10229.10 4.2 No 57.69 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2163760 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 03/11/2026 6.020% Manual Underwriting Manual Underwriting No 6.759%   6.625% 6.625% XXXX No   $12,437.52 $1,036.46 $4,933.32 $411.11 $0.00 $0.00 $0.00 $6,544.45 $10,150.02 N/A XXXX   $0.00 XXXX   39.88% 39.88% 39.88% 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% 90.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 810                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 261814.64 40.0 261814.64 40.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2163770 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 19422.73 03/16/2026 6.120% Manual Underwriting Manual Underwriting No 7.485%   7.375% 7.375% XXXX No   $16,293.24 $1,357.77 $11,742.84 $978.57 $1,400.04 $116.67 $0.00 $8,204.29 $74,709.37 N/A XXXX TX $116.67 XXXX Annually 14.87% 14.87% 14.87% 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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SECorporation - Business Bank Statements Verified - 2026, 2025 Borrower - 2026, 2025 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 708                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 107818.88 13.1 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2163757 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 10604.28 02/20/2026 6.100% Manual Underwriting Manual Underwriting No 7.008%   6.875% 6.875% XXXX No   $1,200.00 $100.00 $3,066.96 $255.58 $0.00 $0.00 $0.00 $2,759.94 $5,845.61 N/A XXXX   $0.00 XXXX   41.44% 41.44% 41.44% No No             Employed Self-Employed         12 Month Bank Statement 2 YRS W2 0 1 Month NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No Yes 0 0 Yes Yes 12 0 63.96% 0.00% 100.00%   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 - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 713                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   AL United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   AL XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 10052.29 3.6 10052.29 3.6 No 65.83 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2167077 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 02/26/2026 5.990% Manual Underwriting Manual Underwriting No 7.250%   7.125% 7.125% XXXX No   $9,730.32 $810.86 $4,299.96 $358.33 $0.00 $0.00 $0.00 $6,121.02 $8,770.25 N/A XXXX   $0.00 XXXX   42.25% 42.25% 42.25% No               Employed           Asset Utilization (DTI) 2 YRS W2   2+ Months   N/A 0     0 0     2 0 NA   No Yes 60.0 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 - Wage, Asset Depletion - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2026, 2025, 2024 Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024 XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 802                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   MA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 722241.87 118.0 No 69.34 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2167073 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 1440.0 03/04/2026 5.980% Manual Underwriting Manual Underwriting No 7.047%   7.000% 7.000% XXXX No   $24,864.00 $2,072.00 $3,226.92 $268.91 $975.00 $81.25 $0.00 $10,605.38 $27,454.18 N/A XXXX TX $81.25 XXXX Annually 31.59% 31.59% 31.59% 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 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 743                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 162620.79 15.3 No 73.21 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2167081 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 03/09/2026 6.020% Manual Underwriting Manual Underwriting No 7.771%   7.625% 7.625% XXXX No   $10,936.56 $911.38 $1,434.96 $119.58 $0.00 $0.00 $0.00 $3,579.02 $40,400.57 N/A XXXX   $0.00 XXXX   27.49% 27.76% 27.76% 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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SECorporation - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 702                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 91182.11 25.5 114441.99 32.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2165554 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 14149.98 04/07/2026 6.430% Manual Underwriting Manual Underwriting No 7.818%   7.500% 7.500% XXXX No   $8,412.12 $701.01 $1,355.04 $112.92 $0.00 $0.00 $0.00 $4,715.54 $32,711.46 N/A XXXX   $0.00 XXXX   30.40% 29.85% 29.85% No No             Self-Employed Self-Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 12 Yes Yes 0 12 100.00% 50.00% 40.00%   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 - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 || Co Borrower - SEPartnership - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 || Co Borrower - 2025, 2026 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 746                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 51735.52 11.0 51735.52 11.0 No 90.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2163942 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 6.750% 6.750% XXXX No   $3,654.60 $304.55 $315.96 $26.33 $3,948.00 $329.00 $0.00 $1,477.11   Yes XXXX IL $329.00 XXXX 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           0 No     0 0       0   Yes 1.252 1.252 N/A 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 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 XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 798                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   IL United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 113045.64 76.5 No 70.0 Yes No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2172266 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 6832.0 04/03/2026 6.430% Manual Underwriting Manual Underwriting No 6.487%   6.375% 6.375% XXXX No   $2,499.96 $208.33 $1,607.04 $133.92 $3,708.00 $309.00 $0.00 $5,473.41 $11,438.59 Yes XXXX DE $309.00 XXXX Monthly 40.22% 40.22% 40.22% No No             Self-Employed Self-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 Yes N/A 0 12 100.00% 50.00% 50.00%   N/A 0 N/A N/A N/A 0 Yes 24 Yes 24 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX 796                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   DE United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Passport   N/A XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 71598.66 13.1 71598.66 13.1 No 80.0 Yes No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2163943 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 7.625% 7.750% XXXX No   $1,508.28 $125.69 $683.04 $56.92 $0.00 $0.00 $0.00 $901.02   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.443 1.443 N/A 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 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 XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX 756                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 94071.19 104.4 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2167085 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 03/31/2026 6.430% Manual Underwriting Manual Underwriting No 7.302%   7.125% 7.125% XXXX No   $4,114.68 $342.89 $1,784.04 $148.67 $0.00 $0.00 $0.00 $2,383.36 $10,824.62 N/A XXXX   $0.00 XXXX   29.84% 29.84% 29.84% No No             Self-Employed Employed         12 Month Bank Statement 0 2 YRS W2 NA 2+ Months N/A 0 N/A 0 0 0 0 0 2 2 NA NA No No 0 No Yes Yes 0 12 No Yes 0 0 36.78% 100.00% 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 - SECorporation, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2026 XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 791                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   PA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   PA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 232139.12 97.4 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2165553 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 7056.25 03/20/2026 6.120% Manual Underwriting Manual Underwriting No 7.927%   7.500% 7.500% XXXX No   $4,539.60 $378.30 $1,421.76 $118.48 $15,840.00 $1,320.00 $0.00 $3,669.70 $13,699.71 Yes XXXX FL $1,320.00 XXXX Monthly 21.13% 21.13% 21.13% Yes               Self-Employed           2YR Full Doc 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 660                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Non Permanent Resident Alien Foreign National N/A Missing       XXXX XXXX XXXX R-1 Visa XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 63983.83 17.4 284229.54 77.5 No 53.0 Yes No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2167071 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 5544.93 03/19/2026 6.120% Manual Underwriting Manual Underwriting No 9.215%   8.875% 8.975% XXXX No   $7,538.64 $628.22 $2,840.16 $236.68 $500.04 $41.67 $0.00 $2,505.82 $245,418.42 N/A XXXX TX $41.67 XXXX Annually 4.79% 4.79% 4.79% 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       NA 0 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) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 633                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 15979.19 6.4 198542.87 79.2 No 40.2 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2175529 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A 0 03/31/2026 6.430% Manual Underwriting Manual Underwriting No 8.672%   8.375% 8.375% XXXX No   $6,040.20 $503.35 $3,327.00 $277.25 $0.00 $0.00 $0.00 $1,920.71 $2,554.34 N/A XXXX   $0.00 XXXX   26.58% 26.19% 26.19% Yes               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     2 0 NA   No No 0 No Yes Yes 12 0 No       96.37% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 667                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   IN United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 41148.99 22.2 103061.68 55.5 No 32.26 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2169578 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 16358.26 04/28/2026 6.260% Manual Underwriting Manual Underwriting No 7.870%   7.500% 7.500% XXXX No   $18,380.76 $1,531.73 $2,138.64 $178.22 $1,542.96 $128.58 $0.00 $5,770.98 $8,614.59 N/A XXXX TX $128.58 XXXX Annually 43.69% 43.22% 43.22% 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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 732                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 103248.35 17.9 45949.69 8.0 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2168020 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 15335.46 04/21/2026 6.300% Manual Underwriting Manual Underwriting No 6.960%   6.500% 6.500% XXXX No   $1,818.84 $151.57 $1,248.00 $104.00 $0.00 $0.00 $0.00 $2,778.79 $7,857.84 N/A XXXX   $0.00 XXXX   26.95% 26.95% 26.95% 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       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX 760                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   ID United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 32816.95 11.8 32816.95 11.8 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2177181 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.250% 7.250% XXXX No   $3,510.00 $292.50 $1,311.00 $109.25 $0.00 $0.00 $0.00 $1,552.92   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.61 1.61 N/A 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 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 XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX 747                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Permanent Resident Alien Permanent Non-US Citizen N/A Real ID Driver's License   OH United States of America (USA) XXXX XXXX XXXX I-551 Permanent Resident Card  XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 23655.62 15.2 23655.62 15.2 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2177180 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.875% 7.875% XXXX No   $6,512.04 $542.67 $1,176.96 $98.08 $0.00 $0.00 $0.00 $1,696.45   N/A XXXX   $0.00 XXXX   29.95% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.415   N/A 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 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 XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX 738                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   KY United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 95517.88 56.3 95517.88 56.3 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2175531 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.750% 7.750% XXXX No   $4,285.68 $357.14 $2,271.00 $189.25 $0.00 $0.00 $0.00 $1,724.89   N/A XXXX   $0.00 XXXX   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 1.009 1.01 N/A 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 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 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 674                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 73574.63 42.7 73574.63 42.7 No 73.11 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2177183 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.125% 6.125% XXXX No   $2,968.44 $247.37 $1,002.96 $83.58 $0.00 $0.00 $0.00 $1,180.09   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 2.097 2.497 N/A 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 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 XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 798                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NC United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 101221.12 85.8 101221.12 85.8 No 56.35 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179067 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.000% 7.000% XXXX No   $4,031.28 $335.94 $601.20 $50.10 $0.00 $0.00 $0.00 $1,129.52   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.239 1.239 N/A 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 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 XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX 718                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   MI United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 103374.66 91.5 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2177184 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.750% 7.750% XXXX No   $358.68 $29.89 $1,745.04 $145.42 $0.00 $0.00 $0.00 $836.56   N/A XXXX   $0.00 XXXX   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       0   0 No 0   0 0     0 0   Yes 1.494   N/A 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 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 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 XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 679                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   AL United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   AL XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 83736.26 100.1 No 65.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2177182 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 6.750% 6.750% XXXX No   $1,724.04 $143.67 $1,842.00 $153.50 $0.00 $0.00 $0.00 $978.68   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.497 1.497 N/A 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 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 XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX 781                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   AR United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 93931.60 96.0 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2177185 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 7.250% 7.250% XXXX No   $4,965.72 $413.81 $1,113.00 $92.75 $0.00 $0.00 $0.00 $1,881.83   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.063 1.063 N/A 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 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 XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX 663                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OH United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 175760.08 93.4 No 60.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2175530 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 4852.0 03/16/2026 6.120% Manual Underwriting Manual Underwriting No 7.040%   6.875% 6.875% XXXX No   $9,050.04 $754.17 $2,597.04 $216.42 $0.00 $0.00 $0.00 $3,381.52 $3,432.00 N/A XXXX   $0.00 XXXX   49.63% 49.63% 49.63% 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%   Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX 711                 No                                       7 XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   WI United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 12667.43 3.7 21110.93 6.2 No 69.9 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2180239 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 6.875% 6.875% XXXX No   $1,541.76 $128.48 $1,067.04 $88.92 $150.00 $12.50 $0.00 $1,831.16   N/A XXXX NC $12.50 XXXX 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 1.311 1.311 N/A 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 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 XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 782                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 1 0 0 0 1 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NC United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 181567.88 99.2 181567.88 99.2 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179070 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     8.000% 7.250% XXXX No   $1,878.96 $156.58 $989.04 $82.42 $0.00 $0.00 $0.00 $943.41   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 2.305 2.305 N/A 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 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 XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX 735                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 86763.65 92.0 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179072 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.250% 7.250% XXXX No   $2,126.88 $177.24 $963.00 $80.25 $0.00 $0.00 $0.00 $973.78   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.9   N/A 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 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 XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX 756                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 17082.78 17.5 112712.34 115.8 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179073 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.250% 7.250% XXXX No   $2,259.36 $188.28 $944.04 $78.67 $0.00 $0.00 $0.00 $1,365.25   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.355 1.353 N/A 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 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 XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX 756                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Other USA PATRIOT ACT INFORMATION FORM CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 17082.78 12.5 167081.94 122.2 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179071 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     7.000% 7.000% XXXX No   $3,544.08 $295.34 $837.00 $69.75 $0.00 $0.00 $0.00 $1,532.70   N/A XXXX   $0.00 XXXX   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 1.142 1.142 N/A 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 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 XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 694                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   PA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 112812.75 73.6 112812.75 73.6 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179075 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.500% 7.500% XXXX No   $4,003.44 $333.62 $889.56 $74.13 $0.00 $0.00 $0.00 $1,274.78   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.177 1.177 N/A 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 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 XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 705                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   IN United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 18542.04 14.6 18542.04 14.6 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2180237 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.000% 7.000% XXXX No   $5,580.00 $465.00 $803.04 $66.92 $2,160.00 $180.00 $0.00 $3,701.11   N/A XXXX OR $180.00 XXXX 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           0 No     0 0       0   Yes 1.117 1.253 N/A 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 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 XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX 759                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OR United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 321231.49 86.8 321231.49 86.8 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2180236 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.000% 7.000% XXXX No   $5,580.00 $465.00 $830.04 $69.17 $2,160.00 $180.00 $0.00 $3,708.03   N/A XXXX OR $180.00 XXXX 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           0 No     0 0       0   Yes 1.092 1.092 N/A 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 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 XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX 752                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OR United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 61426.48 16.6 61426.48 16.6 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2180238 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.125% 7.125% XXXX No   $5,673.00 $472.75 $918.00 $76.50 $2,160.00 $180.00 $0.00 $3,811.51   N/A XXXX OR $180.00 XXXX 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           0 No     0 0       0   Yes 1.246 1.246 N/A 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 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 XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX 752                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OR United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 90090.07 23.6 90090.07 23.6 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179065 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.750% 6.750% XXXX No   $5,161.92 $430.16 $552.96 $46.08 $2,160.00 $180.00 $0.00 $3,435.52   N/A XXXX OR $180.00 XXXX Monthly 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       0   0 No 0   0 0     0 0   Yes 1.164 1.164 N/A 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 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 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 XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX 759                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OR United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   OR XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 321231.49 93.5 321231.49 93.5 No 74.52 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179066 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.625% 6.625% XXXX No   $3,620.40 $301.70 $941.04 $78.42 $2,160.00 $180.00 $0.00 $3,018.91   N/A XXXX OR $180.00 XXXX 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           0 No     0 0       0   Yes 1.027 1.027 N/A 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 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 XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX 759                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OR United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 318492.14 105.5 303980.60 100.7 No 68.57 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179064 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 6.750% 6.750% XXXX No   $3,496.08 $291.34 $477.96 $39.83 $2,160.00 $180.00 $0.00 $3,235.28   N/A XXXX OR $180.00 XXXX 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           0 No     0 0       0   Yes 1.051 1.051 N/A 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 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 XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX 759                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OR United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 321231.49 99.3 321231.49 99.3 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179062 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.625% 6.625% XXXX No   $3,620.40 $301.70 $924.00 $77.00 $2,160.00 $180.00 $0.00 $3,067.44   N/A XXXX OR $180.00 XXXX 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           0 No     0 0       0   Yes 1.027   N/A 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 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 XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX 752                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OR United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 90090.07 29.4 90090.07 29.4 No 69.96 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179063 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.500% 6.500% XXXX No   $3,788.16 $315.68 $522.96 $43.58 $2,160.00 $180.00 $0.00 $2,982.20   N/A XXXX OR $180.00 XXXX 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           0 No     0 0       0   Yes 1.04   N/A 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 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 XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX 752                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OR United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 122620.62 41.1 122620.62 41.1 No 67.22 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2178923 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.000% 7.000% XXXX No   $479.40 $39.95 $1,128.00 $94.00 $0.00 $0.00 $0.00 $860.46   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.685 1.685   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 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 XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 722                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   GA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 102926.16 119.6 No 65.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2177190 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 8695.0 05/28/2026 6.600% Manual Underwriting Manual Underwriting No 7.099%   6.875% 6.875% XXXX No   $5,629.80 $469.15 $3,231.00 $269.25 $0.00 $0.00 $0.00 $4,469.76 $25,371.24 N/A XXXX   $0.00 XXXX   20.71% 20.71% 20.71% 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% 100.00%     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 - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 757                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   WA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   WA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 358525.44 80.2 No 64.91 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179068 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.875% 7.875% XXXX No   $1,117.68 $93.14 $2,369.04 $197.42 $0.00 $0.00 $0.00 $970.31   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.165 1.16 N/A 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 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 XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 702                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   AL United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 62962.21 64.9 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179069 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 6.875% 6.875% XXXX No   $1,385.04 $115.42 $1,233.96 $102.83 $0.00 $0.00 $0.00 $972.08   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.646 1.646 N/A 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 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 XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX 749                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   KS United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 105105.81 108.1 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2179074 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.750% 6.750% XXXX No   $633.36 $52.78 $1,256.04 $104.67 $0.00 $0.00 $0.00 $806.70   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.605 1.605 N/A 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 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 XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX 767                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OK United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 163793.56 203.0 163793.56 203.0 No 77.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2180017 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 6.625% 6.625% XXXX Yes 18.000% $7,102.32 $591.86 $2,861.40 $238.45 $393.60 $32.80 $0.00 $2,087.70   N/A XXXX TX $32.80 XXXX 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%     Proceeds from Sale   0           0 No     0 0       0   Yes 1.174 1.174 Yes 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 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 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 725                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 26896.35 12.9 28556.97 13.7 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2180240 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.000% 6.875% XXXX No   $1,134.96 $94.58 $1,827.00 $152.25 $0.00 $0.00 $0.00 $1,698.85   N/A XXXX   $0.00 XXXX   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       0   0 No 0   0 0     0 0   Yes 1.148 1.148 N/A 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 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 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 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 726                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   FL United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   FL XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 62521.82 36.8 No 75.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2180014 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A Client Affirms Non-QM Status       Manual Underwriting Manual Underwriting No     7.625% 7.625% XXXX Yes 23.990% $9,824.76 $818.73 $2,535.00 $211.25 $0.00 $0.00 $0.00 $3,516.87   N/A XXXX   $0.00 XXXX   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%     Proceeds from Sale,Proceeds from Sale,Proceeds from Sale   0           0 No     0 0       0   Yes 1.024 1.024 N/A 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 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 XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 766                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 884403.57 251.5 977378.19 277.9 No 60.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2180015 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.625% 7.625% XXXX Yes 23.990% $10,014.84 $834.57 $1,558.68 $129.89 $0.00 $0.00 $0.00 $2,522.82   N/A XXXX   $0.00 XXXX   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%     Proceeds from Sale,Proceeds from Sale,Proceeds from Sale   0           0 No     0 0       0   Yes 0.793 0.793 N/A 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 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 XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 766                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 794046.65 314.7 198678.45 78.8 No 45.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2180016 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.250% 7.250% XXXX No   $11,596.08 $966.34 $1,710.00 $142.50 $0.00 $0.00 $0.00 $2,615.03   N/A XXXX   $0.00 XXXX   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%     Proceeds from Sale,Proceeds from Sale,Proceeds from Sale   0           0 No     0 0       0   Yes 1.004 1.004   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 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 XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 766                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 753443.70 288.1 966984.43 369.8 No 45.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2180018 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 6.625% 6.625% XXXX Yes 23.990% $4,175.88 $347.99 $2,178.96 $181.58 $0.00 $0.00 $0.00 $1,906.24   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 1.259 1.259 N/A 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 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 XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 779                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   VA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 120471.45 63.2 121530.61 63.8 No 57.18 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 2180019 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 7.500% 7.500% XXXX Yes 23.990% $15,003.96 $1,250.33 $671.28 $55.94 $0.00 $0.00 $0.00 $4,784.40   N/A XXXX   $0.00 XXXX   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           0 No     0 0       0   Yes 0.81 0.81 N/A 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 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 XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 760                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 174873.69 36.6 177485.41 37.1 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX