Exhibit 99.01 Schedule 4
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | 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 | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | 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 | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | Default Interest Rate | Default Interest Accrual Start Days | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag | Total Number of Mortgaged Properties | Amortization Term Less IO | Flood Zone Designation | Flood Policy Expiration Date | Flood Policy Coverage Amount | |
| XXXXX | 4000082570 | XXXXX | Non QM | Yes | No | $28,665.00 | $35,621.20 | 8.254% | XXXXX | XXXXX | 8.000% | No | No | Self-Employed | US Citizen | $26,289.28 | 1 | XXXXX | $2,606.04 | XXXXX | $217.17 | 39.052% | 39.052% | 39.052% | 06/24/2025 | 709 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $28,665.00 | 6.830% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.92 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093779 | XXXXX | Non QM | Yes | No | $8,035.00 | $7,450.53 | 7.790% | XXXXX | XXXXX | 7.625% | No | No | Employed | US Citizen | $10,648.65 | 1 | XXXXX | $3,418.68 | XXXXX | $284.89 | 30.392% | 30.392% | 30.392% | 07/04/2025 | 807 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,035.00 | 6.630% | $87,000.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 4.960% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000094498 | XXXXX | Non QM | Yes | No | $1,690.00 | $5,196.22 | 8.028% | XXXXX | XXXXX | 8.734% | No | No | Employed | Employed | US Citizen | US Citizen | $17,417.69 | 1 | XXXXX | $5,619.24 | XXXXX | $468.27 | 41.132% | 41.008% | 41.132% | 09/18/2025 | 726 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 6.720% | $6,000.00 | 3.7 | None | Yes | No | 8.734% | 1 | 1 | 1 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 15.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.11 | No | No | $0.00 | $16,283.34 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000171 | Non QM | Yes | No | $7,350.00 | $2,595.60 | 6.668% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,204.28 | 1 | XXXXX | $980.04 | XXXXX | $81.67 | 40.491% | 40.491% | 40.491% | 09/18/2025 | 773 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2011 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,350.00 | 6.310% | $22,299.24 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 1 | 0 | 3 | 1 | 8.97 | No | XXXXX | XXXXX | 22.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.46 | Yes | No | $3,268.34 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096298 | XXXXX | Non QM | Yes | No | $1,640.00 | $0.00 | 6.609% | XXXXX | XXXXX | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $19,274.82 | 1 | XXXXX | $1,717.80 | XXXXX | $143.15 | 40.351% | 40.351% | 40.351% | 10/01/2025 | 765 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.310% | $15,000.00 | 1.4 | None | Yes | No | 6.625% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 137.21 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000093926 | XXXXX | Non QM | Yes | No | $1,590.00 | $3,123.85 | 8.178% | XXXXX | XXXXX | 8.177% | No | No | Employed | US Citizen | $4,286.65 | 1 | XXXXX | $523.08 | XXXXX | $43.59 | 48.538% | 51.058% | 48.538% | 08/18/2025 | 744 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,590.00 | 6.720% | $0.00 | None | N/A | No | 8.177% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 7 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | Yes | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 80.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096262 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $1,836.96 | XXXXX | $153.08 | 0.000% | 0.000% | 0.000% | 10/23/2025 | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.65 | 1.54 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000174 | Non QM | Yes | No | $1,050.00 | $1,218.22 | 6.652% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $12,552.05 | 1 | XXXXX | $1,098.00 | XXXXX | $91.50 | 38.594% | 38.594% | 38.594% | 09/11/2025 | 705 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,050.00 | 6.220% | $0.00 | 2.6 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000178 | Non QM | Yes | No | $1,950.00 | $6,230.11 | 6.932% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $12,160.70 | 1 | XXXXX | $3,398.04 | XXXXX | $283.17 | 45.811% | 45.811% | 45.811% | 09/18/2025 | 767 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,950.00 | 6.310% | $3,000.00 | 3.7 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 25.280% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092005 | XXXXX | Non QM | Yes | No | $8,138.94 | $3,619.60 | 7.722% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $5,654.64 | 1 | XXXXX | $846.00 | XXXXX | $70.50 | 39.925% | 39.925% | 39.925% | 09/04/2025 | 752 | No | Yes | 12 | Business | 52.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,138.94 | 6.570% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 19.270% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.18 | No | $0.00 | $4,548.33 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099534 | XXXXX | Non QM | Yes | No | $7,755.00 | $12,891.60 | 8.012% | XXXXX | XXXXX | 8.834% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXXX | $8,098.52 | 1 | XXXXX | $1,268.04 | XXXXX | $105.67 | 43.901% | 42.242% | 43.901% | 04/23/2025 | 755 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $7,755.00 | 7.060% | $0.00 | None | N/A | No | 8.834% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 35.860% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 2.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100818 | XXXXX | Non QM | Yes | No | $13,830.40 | $8,059.20 | 7.862% | XXXXX | XXXXX | 7.625% | No | No | Employed | US Citizen | $5,953.32 | 1 | XXXXX | $1,975.08 | XXXXX | $164.59 | 29.957% | 29.957% | 29.957% | 09/15/2025 | 796 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $13,830.40 | 6.240% | $60,000.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 19.660% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097623 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $4,925.00 | $8,765.33 | 7.951% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXXX | $5,330.22 | 1 | XXXXX | $1,445.04 | XXXXX | $120.42 | 39.665% | 39.665% | 39.665% | 08/01/2025 | 746 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $4,925.00 | 6.310% | $24,200.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 24.990% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 10.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000096750 | XXXXX | Non QM | Yes | No | $12,049.00 | $5,959.69 | 7.236% | XXXXX | XXXXX | 7.125% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $5,347.11 | 1 | XXXXX | $3,723.96 | XXXXX | $310.33 | 49.672% | 49.672% | 49.672% | 10/15/2025 | 812 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $12,049.00 | 6.310% | $5,000.00 | 2.5 | None | N/A | No | 7.125% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | XXXXX | XXXXX | 85.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 130.17 | No | No | $2,139.70 | $1,949.93 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100872 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $19,200.00 | $23,671.00 | 8.225% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed | Permanent Resident Alien | $8,866.15 | 1 | XXXXX | $1,653.96 | XXXXX | $137.83 | 39.847% | 39.847% | 39.847% | 06/03/2025 | 798 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $19,200.00 | 6.790% | $0.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 29.150% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.36 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000216 | Non QM | Yes | No | $2,045.00 | $3,171.22 | 6.516% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $223,004.63 | 1 | XXXXX | $6,759.36 | XXXXX | $563.28 | 7.881% | 7.881% | 7.881% | 10/09/2025 | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,045.00 | 6.310% | $0.00 | 2.6 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 59.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.34 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000166 | Non QM | Yes | No | $2,000.00 | $4,568.94 | 6.520% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $25,842.87 | 1 | XXXXX | $1,326.00 | XXXXX | $110.50 | 43.286% | 43.286% | 43.286% | 09/13/2025 | 791 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,000.00 | 6.310% | $10,000.00 | 4.8 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 26.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.83 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099315 | XXXXX | Non QM | Yes | No | $8,264.95 | $886.43 | 5.753% | XXXXX | XXXXX | 5.750% | No | No | Employed | US Citizen | $3,138.57 | 1 | XXXXX | $1,215.12 | XXXXX | $101.26 | 42.137% | 42.137% | 42.137% | 10/10/2025 | 807 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $8,264.95 | 6.160% | $20,000.00 | 1.2 | None | Yes | No | 5.750% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 65.490% | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 64.66 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101597 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,187.64 | XXXXX | $98.97 | 0.000% | 0.000% | 0.000% | 11/05/2025 | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 417.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000202 | Non QM | Yes | No | $7,365.00 | $10,474.25 | 8.795% | XXXXX | XXXXX | 8.625% | No | No | Self-Employed | US Citizen | $31,573.45 | 1 | XXXXX | $1,901.04 | XXXXX | $158.42 | 20.661% | 20.661% | 20.661% | 10/02/2025 | 747 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,365.00 | 6.170% | $10,000.00 | None | Yes | No | 8.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 6.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.88 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000218 | N/A | No | No | $935.00 | $2,862.45 | 6.825% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $10,058.99 | 1 | XXXXX | $3,752.64 | XXXXX | $312.72 | 40.727% | 40.727% | 40.727% | 10/20/2025 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $935.00 | 6.170% | $0.00 | 4.0 | None | No | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 53.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.31 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | VE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099430 | XXXXX | Non QM | Yes | No | $1,790.00 | $442.26 | 7.673% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed | US Citizen | $13,736.12 | 1 | XXXXX | $3,414.00 | XXXXX | $284.50 | 45.492% | 45.492% | 45.492% | 10/14/2025 | 766 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.240% | $0.00 | 2.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 91.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100321 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $1,926.00 | XXXXX | $160.50 | 0.000% | 0.000% | 0.000% | 10/29/2025 | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.4 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000189 | Non QM | Yes | No | $1,795.00 | $4,567.64 | 6.400% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $21,165.85 | 1 | XXXXX | $3,672.36 | XXXXX | $306.03 | 43.562% | 43.562% | 43.562% | 09/29/2025 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $1,795.00 | 6.240% | $5,000.00 | 4.0 | None | N/A | No | 6.375% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 198.21 | No | No | $0.00 | $13,589.59 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100563 | XXXXX | Non QM | Yes | No | $17,745.00 | $9,251.88 | 6.507% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | Permanent Resident Alien | $5,047.82 | 1 | XXXXX | $5,074.92 | XXXXX | $422.91 | 48.645% | 48.645% | 48.645% | 10/10/2025 | 751 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $17,745.00 | 6.160% | $10,000.00 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 13.00 | No | XXXXX | XXXXX | 16.340% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 33.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100560 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | US Citizen | 1 | XXXXX | $654.96 | XXXXX | $54.58 | 0.000% | 0.000% | 0.000% | 10/25/2025 | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 85.080% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 71.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000220 | Non QM | Yes | No | $1,595.00 | $4,437.62 | 6.289% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $13,353.63 | 1 | XXXXX | $2,423.04 | XXXXX | $201.92 | 40.342% | 40.342% | 40.342% | 10/21/2025 | 789 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.240% | $0.00 | 1.9 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100487 | XXXXX | N/A | No | No | $1,640.00 | $3,675.08 | 7.825% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed | US Citizen | $73,044.95 | 1 | XXXXX | $1,340.04 | XXXXX | $111.67 | 24.388% | 24.388% | 24.388% | 10/29/2025 | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.160% | $0.00 | 4.5 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 116.83 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000097970 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,436.23 | 6.512% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $22,792.22 | 1 | XXXXX | $2,403.96 | XXXXX | $200.33 | 47.403% | 47.403% | 47.403% | 10/30/2025 | 790 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.290% | $0.00 | 1.0 | None | Yes | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101931 | XXXXX | Non QM | Yes | No | $8,281.74 | $4,713.48 | 8.373% | XXXXX | XXXXX | 8.250% | No | No | Self-Employed | US Citizen | $3,799.05 | 1 | XXXXX | $984.96 | XXXXX | $82.08 | 46.868% | 46.868% | 46.868% | 10/15/2025 | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,281.74 | 6.160% | $0.00 | 1.3 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 111.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100216 | XXXXX | Non QM | Yes | No | $7,185.63 | $2,162.39 | 7.583% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $5,370.88 | 1 | XXXXX | $1,343.16 | XXXXX | $111.93 | 27.731% | 27.731% | 27.731% | 09/19/2025 | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,185.63 | 6.160% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 44.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099043 | XXXXX | Non QM | Yes | No | $5,487.44 | $6,180.56 | 6.844% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $30,462.68 | 1 | XXXXX | $7,624.32 | XXXXX | $635.36 | 17.512% | 17.512% | 17.512% | 08/05/2025 | 770 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,487.44 | 6.290% | $0.00 | 1.4 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | A | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101163 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,648.45 | 6.787% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $36,399.32 | 1 | XXXXX | $3,549.00 | XXXXX | $295.75 | 25.258% | 25.258% | 25.258% | 11/05/2025 | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $20,000.00 | 2.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 327.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098999 | XXXXX | Non QM | Yes | No | $5,691.88 | $6,107.10 | 7.573% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $12,152.33 | 1 | XXXXX | $933.24 | XXXXX | $77.77 | 26.009% | 26.009% | 26.009% | 09/16/2025 | 701 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,691.88 | 6.240% | $1,000.00 | 1.2 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 171.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103651 | XXXXX | Non QM | Yes | No | $6,845.00 | $9,417.98 | 7.768% | XXXXX | XXXXX | 8.599% | No | No | Employed | US Citizen | $4,532.62 | 1 | XXXXX | $1,818.96 | XXXXX | $151.58 | 46.675% | 44.260% | 46.675% | 09/02/2025 | 806 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $6,845.00 | 6.530% | $0.00 | None | N/A | No | 8.599% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 44.110% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000234 | N/A | No | No | $1,430.00 | $5,670.00 | 8.144% | XXXXX | XXXXX | 8.500% | No | No | Not Employed | Self-Employed | US Citizen | $33,842.67 | 4 | XXXXX | $8,636.04 | XXXXX | $719.67 | 45.391% | 55.039% | 45.391% | 10/10/2025 | 740 | No | No | [Coborrower(s) - |
Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,430.00 | 6.830% | $0.00 | None | N/A | No | 8.500% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | 240 | XXXXX | XXXXX | 50.090% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.47 | No | No | $61,972.47 | $0.00 | No | No | No | No | 4 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100395 | XXXXX | Non QM | Yes | No | $4,640.00 | $10,931.46 | 6.874% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,629.32 | 1 | XXXXX | $4,757.16 | XXXXX | $396.43 | 42.471% | 42.471% | 42.471% | 10/17/2025 | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Third Party Verification | # of Bank
Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,640.00 | 6.160% | $4,304.00 | 3.7 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 29.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 9.87 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102231 | XXXXX | Non QM | Yes | No | $2,615.00 | $3,759.23 | 7.676% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $8,094.79 | 1 | XXXXX | $1,734.00 | XXXXX | $144.50 | 24.227% | 24.227% | 24.227% | 11/12/2025 | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,615.00 | 6.260% | $53,731.00 | 1.8 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 79.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098892 | XXXXX | Non QM | Yes | No | $7,647.59 | $14,779.59 | 6.540% | XXXXX | XXXXX | 6.000% | No | No | Self-Employed | US Citizen | $2,277.76 | 1 | XXXXX | $2,760.96 | XXXXX | $230.08 | 52.312% | 52.312% | 52.312% | 10/09/2025 | 793 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $7,647.59 | 6.540% | $0.00 | 1.0 | None | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104812 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $8,096.52 | XXXXX | $674.71 | 0.000% | 0.000% | 0.000% | 09/19/2025 | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.54 | 360 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 337.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000223 | Non QM | Yes | No | $2,045.00 | $6,996.19 | 6.644% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $15,529.78 | 1 | XXXXX | $9,912.00 | XXXXX | $826.00 | 42.490% | 42.490% | 42.490% | 10/23/2025 | 818 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,045.00 | 6.240% | $0.00 | 1.4 | None | Yes | No | 6.625% | 2 | 2 | 0 | 2 | 2 | 8.97 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100955 | XXXXX | Non QM | Yes | No | $2,098.00 | $2,011.88 | 7.367% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $7,152.63 | 1 | XXXXX | $1,722.24 | XXXXX | $143.52 | 45.702% | 45.702% | 45.702% | 10/20/2025 | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,098.00 | 6.170% | $4,500.00 | 2.6 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 26.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.69 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000259 | Non QM | Yes | No | $2,490.00 | $18,749.02 | 6.661% | XXXXX | XXXXX | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $28,800.46 | 1 | XXXXX | $2,436.00 | XXXXX | $203.00 | 45.915% | 38.370% | 45.915% | 11/08/2025 | 788 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.260% | $0.00 | 1.0 | None | No | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | XXXXX | XXXXX | 87.140% | No | 32 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 118.62 | No | No | $0.00 | $12,899.27 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103418 | XXXXX | Non QM | Yes | No | $9,445.00 | $15,836.00 | 9.851% | XXXXX | XXXXX | 9.500% | No | No | Self-Employed | US Citizen | $60,266.25 | 1 | XXXXX | $2,970.00 | XXXXX | $247.50 | 22.641% | 22.641% | 22.641% | 11/18/2025 | 760 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $9,445.00 | 6.230% | $0.00 | 4.4 | None | N/A | No | 9.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 17.340% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.02 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000098137 | XXXXX | Non QM | Yes | No | $12,386.00 | $12,906.00 | 8.341% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed | US Citizen | $2,599.62 | 1 | XXXXX | $1,395.00 | XXXXX | $116.25 | 49.442% | 49.442% | 49.442% | 10/01/2025 | 737 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $12,386.00 | 6.290% | $0.00 | 1.1 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 92.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104168 | XXXXX | N/A | No | No | $53,192.00 | $38,982.81 | 8.039% | XXXXX | XXXXX | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | $27,539.14 | 2 | XXXXX | $3,985.08 | XXXXX | $332.09 | 40.774% | 40.774% | 40.774% | 11/13/2025 | 768 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $53,192.00 | 6.230% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 30.820% | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.55 | No | Yes | $46,498.42 | $0.00 | No | No | No | No | 2 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101700 | XXXXX | Non QM | Yes | No | $1,595.00 | $3,810.50 | 9.654% | XXXXX | XXXXX | 9.500% | No | No | Self-Employed | Permanent Resident Alien | $4,120.72 | 1 | XXXXX | $1,588.44 | XXXXX | $132.37 | 48.306% | 48.306% | 48.306% | 10/10/2025 | 681 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: % | Expense Ratio Source: | #
of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.170% | $1,000.00 | 1.0 | None | N/A | No | 9.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 35.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 14.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101799 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $1,569.84 | XXXXX | $130.82 | 0.000% | 0.000% | 0.000% | 11/21/2025 | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | 240 | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101113 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $5,104.92 | XXXXX | $425.41 | 0.000% | 0.000% | 0.000% | 11/03/2025 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.22 | 0.45 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 77.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000238 | Non QM | Yes | No | $1,595.00 | $7,966.84 | 6.255% | XXXXX | XXXXX | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $36,929.07 | 2 | XXXXX | $5,802.00 | XXXXX | $483.50 | 40.331% | 40.331% | 40.331% | 10/27/2025 | 780 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $1,595.00 | 6.170% | $0.00 | None | No | No | 6.250% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 10 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.6 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000248 | Non QM | Yes | No | $1,595.00 | $6,620.50 | 6.883% | XXXXX | XXXXX | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $14,247.43 | 1 | XXXXX | $4,690.20 | XXXXX | $390.85 | 46.186% | 41.846% | 46.186% | 11/06/2025 | 795 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Housing Allowance]; Paystubs - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; Paystubs - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; WVOE - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.260% | $0.00 | 1.8 | None | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 360 | XXXXX | XXXXX | No | 35 | 10 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.32 | No | $4,000.00 | $12,000.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101897 | XXXXX | Non QM | Yes | No | $8,533.85 | $5,207.50 | 7.030% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,917.65 | 1 | XXXXX | $2,354.04 | XXXXX | $196.17 | 22.613% | 22.613% | 22.613% | 11/10/2025 | 810 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,533.85 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 316.25 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102065 | XXXXX | Non QM | Yes | No | $15,645.00 | $23,372.64 | 7.053% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $77,871.26 | 1 | XXXXX | $2,987.04 | XXXXX | $248.92 | 17.963% | 17.963% | 17.963% | 11/17/2025 | 763 | No | Yes | 12 | Business | 100.000% | 80.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $15,645.00 | 6.260% | $0.00 | 1.3 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 5.260% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.98 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105145 | XXXXX | Non QM | Yes | No | $2,720.00 | $4,858.20 | 8.052% | XXXXX | XXXXX | 9.025% | No | No | Employed | Permanent Resident Alien | $9,310.08 | 1 | XXXXX | $2,415.96 | XXXXX | $201.33 | 40.883% | 39.637% | 40.883% | 11/20/2025 | 812 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,720.00 | 6.510% | $0.00 | 1.1 | None | N/A | No | 9.025% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 33.180% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 9.73 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103546 | XXXXX | Non QM | Yes | No | $46,740.00 | $62,143.45 | 7.678% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $100,621.86 | 1 | XXXXX | $2,865.72 | XXXXX | $238.81 | 24.875% | 24.875% | 24.875% | 09/30/2025 | 757 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $46,740.00 | 6.230% | $0.00 | 5.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106511 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,995.00 | $14,086.75 | 8.563% | XXXXX | XXXXX | 7.875% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $3,847.83 | 1 | XXXXX | $1,652.64 | XXXXX | $137.72 | 40.501% | 40.501% | 40.501% | 01/13/2025 | 743 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,995.00 | 6.850% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 74.520% | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 46.78 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100865 | XXXXX | Non QM | Yes | No | $8,184.24 | $4,100.28 | 7.410% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $3,928.03 | 1 | XXXXX | $1,614.60 | XXXXX | $134.55 | 49.901% | 49.901% | 49.901% | 10/28/2025 | 742 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,184.24 | 6.170% | $0.00 | 1.8 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 102.96 | No | $3,920.24 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104236 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $1,420.44 | XXXXX | $118.37 | 0.000% | 0.000% | 0.000% | 11/26/2025 | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | 240 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000099460 | XXXXX | Non QM | Yes | No | $10,397.49 | $901.80 | 7.237% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $9,530.87 | 1 | XXXXX | $996.00 | XXXXX | $83.00 | 25.893% | 25.893% | 25.893% | 08/28/2025 | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: % | Expense Ratio Source: | #
of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $10,397.49 | 6.240% | $10,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 9.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101488 | XXXXX | Non QM | Yes | No | $1,495.00 | $4,997.31 | 7.146% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $58,007.20 | 1 | XXXXX | $2,197.20 | XXXXX | $183.10 | 12.408% | 12.408% | 12.408% | 10/27/2025 | 787 | No | Yes | 24 | Business | 100.000% | 56.500% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense
Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.50% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2006 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,495.00 | 6.170% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102197 | XXXXX | Non QM | Yes | No | $9,103.00 | $10,906.63 | 6.771% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $38,163.65 | 1 | XXXXX | $869.04 | XXXXX | $72.42 | 6.568% | 6.568% | 6.568% | 11/06/2025 | 786 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $9,103.00 | 6.260% | $0.00 | None | No | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 21.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103390 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $3,906.96 | XXXXX | $325.58 | 0.000% | 0.000% | 0.000% | 11/19/2025 | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | XXXXX | XXXXX | 32.910% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000265 | Non QM | Yes | No | $1,995.00 | $4,717.67 | 7.172% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | US Citizen | $14,735.32 | 1 | XXXXX | $2,550.96 | XXXXX | $212.58 | 31.865% | 31.865% | 31.865% | 11/12/2025 | 704 | No | Yes | 12 | Business | 100.000% | 47.500% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 47.50% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 47.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 47.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 47.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,995.00 | 6.260% | $0.00 | 1.9 | None | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 103.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000278 | Non QM | Yes | No | $10,135.00 | $13,542.86 | 7.072% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,845.18 | 1 | XXXXX | $2,143.80 | XXXXX | $178.65 | 51.062% | 51.062% | 51.062% | 11/25/2025 | 739 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 22.90000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.90000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.90000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.90000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.90000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.90000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.90000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $10,135.00 | 6.190% | $5,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 32.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.99 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102090 | XXXXX | N/A | No | No | $9,040.00 | $5,956.66 | 7.573% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $78,005.14 | 1 | XXXXX | $1,293.00 | XXXXX | $107.75 | 24.857% | 24.857% | 24.857% | 11/06/2025 | 726 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $9,040.00 | 6.260% | $11,000.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 120.36 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103840 | XXXXX | Non QM | Yes | No | $1,690.00 | $11.40 | 6.478% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $13,760.64 | 1 | XXXXX | $2,904.96 | XXXXX | $242.08 | 18.877% | 18.877% | 18.877% | 09/09/2025 | 760 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 6.260% | $10,000.00 | 1.1 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 48.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106984 | XXXXX | Non QM | Yes | No | $2,470.00 | $3,153.79 | 6.664% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $8,276.06 | 1 | XXXXX | $1,607.04 | XXXXX | $133.92 | 33.792% | 33.792% | 33.792% | 10/02/2025 | 784 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,470.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105328 | XXXXX | Non QM | Yes | No | $1,845.00 | $15,557.64 | 6.966% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $20,949.54 | 1 | XXXXX | $4,596.00 | XXXXX | $383.00 | 41.627% | 41.627% | 41.627% | 10/29/2025 | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,845.00 | 6.220% | $0.00 | 3.2 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 45.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102440 | XXXXX | Non QM | Yes | No | $34,390.00 | $59,828.75 | 6.851% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $19,573.89 | 1 | XXXXX | $2,838.96 | XXXXX | $236.58 | 46.471% | 46.471% | 46.471% | 10/23/2025 | 769 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $34,390.00 | 6.190% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.230% | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106978 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $768.72 | XXXXX | $64.06 | 0.000% | 0.000% | 0.000% | 11/18/2025 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105617 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,934.96 | XXXXX | $244.58 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 62.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106530 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,068.12 | XXXXX | $89.01 | 0.000% | 0.000% | 0.000% | 11/03/2025 | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106327 | XXXXX | Non QM | Yes | No | $1,670.00 | $3,534.70 | 6.840% | XXXXX | XXXXX | 6.750% | No | No | Non-Employment Income | US Citizen | $14,212.87 | 1 | XXXXX | $2,682.96 | XXXXX | $223.58 | 16.947% | 16.947% | 16.947% | 11/04/2025 | 743 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,670.00 | 6.220% | $5,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 642.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106747 | XXXXX | Non QM | Yes | No | $2,549.00 | $3,667.47 | 6.409% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $15,287.79 | 1 | XXXXX | $2,321.04 | XXXXX | $193.42 | 41.761% | 41.761% | 41.761% | 12/04/2025 | 816 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,549.00 | 6.270% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106750 | XXXXX | Non QM | Yes | No | $2,549.00 | $1,290.94 | 6.385% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $13,502.06 | 1 | XXXXX | $1,649.16 | XXXXX | $137.43 | 34.668% | 34.668% | 34.668% | 12/08/2025 | 814 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,549.00 | 6.270% | $0.00 | 1.6 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103694 | XXXXX | Non QM | Yes | No | $4,378.43 | $7,911.55 | 7.617% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $18,662.50 | 1 | XXXXX | $2,460.96 | XXXXX | $205.08 | 33.842% | 33.842% | 33.842% | 11/04/2025 | 810 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,378.43 | 6.230% | $5,000.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 25.300% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102687 | XXXXX | Non QM | Yes | No | $2,270.00 | $5,305.34 | 7.747% | XXXXX | XXXXX | 7.984% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,068.35 | 1 | XXXXX | $2,201.04 | XXXXX | $183.42 | 39.687% | 42.518% | 39.687% | 10/17/2025 | 805 | Yes | No | [Borrower - |
Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 7.984% | 0 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | 60 | XXXXX | XXXXX | 73.370% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 79.2 | Yes | No | $3,163.30 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000102958 | XXXXX | Non QM | Yes | No | $2,220.00 | $15,088.24 | 7.519% | XXXXX | XXXXX | 7.500% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $31,947.05 | 1 | XXXXX | $5,866.44 | XXXXX | $488.87 | 47.955% | 47.955% | 47.955% | 10/15/2025 | 778 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Vesting Schedule - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Restricted Stock Agreement - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,220.00 | 6.230% | $0.00 | 2.0 | None | No | No | 7.500% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 65.970% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 76.25 | No | No | $0.00 | $29,891.49 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104286 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $1,164.96 | XXXXX | $97.08 | 0.000% | 0.000% | 0.000% | 12/08/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104752 | XXXXX | Non QM | Yes | No | $9,013.06 | $7,265.81 | 8.169% | XXXXX | XXXXX | 7.875% | No | No | Employed | US Citizen | $4,164.47 | 1 | XXXXX | $2,292.00 | XXXXX | $191.00 | 44.410% | 44.410% | 44.410% | 11/21/2025 | 701 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,013.06 | 6.190% | $70,000.00 | 1.0 | None | N/A | No | 7.875% | 0 | 0 | 0 | 1 | 0 | 0.00 | No | XXXXX | XXXXX | 4.660% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 4.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104004 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $5,906.25 | $7,747.88 | 8.724% | XXXXX | XXXXX | 8.250% | No | No | Employed | US Citizen | $6,649.88 | 1 | XXXXX | $368.04 | XXXXX | $30.67 | 36.847% | 36.847% | 36.847% | 10/30/2024 | 798 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - | Primary Income - Wages]; VVOE - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,906.25 | 6.770% | $0.00 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 41.290% | No | 22 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.1 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108429 | XXXXX | Non QM | Yes | No | $2,425.00 | $4,314.62 | 7.433% | XXXXX | XXXXX | 7.375% | No | No | Employed | Permanent Resident Alien | $6,542.56 | 1 | XXXXX | $1,451.04 | XXXXX | $120.92 | 48.704% | 48.704% | 48.704% | 10/14/2025 | 777 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,425.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 46.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104247 | XXXXX | Non QM | Yes | No | $4,360.95 | $5,260.70 | 6.497% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $5,923.95 | 1 | XXXXX | $585.00 | XXXXX | $48.75 | 44.351% | 44.351% | 44.351% | 10/12/2025 | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $4,360.95 | 6.260% | $12,000.00 | 2.8 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 298.88 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105909 | XXXXX | Non QM | Yes | No | $9,795.00 | $12,294.84 | 7.361% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | US Citizen | $4,907.96 | 1 | XXXXX | $0.00 | XXXXX | $0.00 | 44.354% | 44.354% | 44.354% | 10/24/2025 | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $9,795.00 | 6.220% | $0.00 | 1.8 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107311 | XXXXX | Non QM | Yes | No | $9,815.00 | $12,020.00 | 7.366% | XXXXX | XXXXX | 7.125% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $7,183.95 | 1 | XXXXX | $1,254.96 | XXXXX | $104.58 | 48.317% | 48.317% | 48.317% | 12/09/2025 | 746 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,815.00 | 6.270% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.000% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 3.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106932 | XXXXX | Non QM | Yes | No | $13,257.50 | $1,438.56 | 6.778% | XXXXX | XXXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $8,121.19 | 1 | XXXXX | $1,323.48 | XXXXX | $110.29 | 34.907% | 34.907% | 34.907% | 10/15/2025 | 765 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $13,257.50 | 6.250% | $10,500.00 | 1.0 | None | Yes | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 37.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.73 | Yes | No | $0.00 | $5,682.58 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000274 | Non QM | Yes | No | $1,395.00 | $2,289.22 | 7.028% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | US Citizen | $8,393.67 | 1 | XXXXX | $5,805.96 | XXXXX | $483.83 | 45.459% | 45.459% | 45.459% | 11/25/2025 | 680 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,395.00 | 6.190% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107346 | XXXXX | Non QM | Yes | No | $3,375.00 | $805.95 | 6.518% | XXXXX | XXXXX | 6.500% | No | No | Employed | Permanent Resident Alien | $5,109.17 | 1 | XXXXX | $3,114.96 | XXXXX | $259.58 | 36.135% | 36.135% | 36.135% | 11/04/2025 | 796 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,375.00 | 6.250% | $10,574.55 | 1.6 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 24.470% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000233 | Non QM | Yes | No | $1,595.00 | $4,901.94 | 6.533% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $90,083.10 | 1 | XXXXX | $3,654.84 | XXXXX | $304.57 | 9.917% | 9.917% | 9.917% | 10/29/2025 | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.160% | $0.00 | 4.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 82.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105305 | XXXXX | Non QM | Yes | No | $21,669.52 | $10,428.88 | 6.668% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,492.99 | 1 | XXXXX | $4,722.96 | XXXXX | $393.58 | 48.308% | 48.308% | 48.308% | 11/17/2025 | 788 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $21,669.52 | 6.230% | $44,692.50 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 27.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.04 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107449 | XXXXX | N/A | No | No | $69,345.00 | $23,595.44 | 6.768% | XXXXX | XXXXX | 6.625% | No | No | Not Employed | Self-Employed | US Citizen | $91,185.49 | 1 | XXXXX | $4,652.04 | XXXXX | $387.67 | 19.166% | 19.166% | 19.166% | 12/11/2025 | 770 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank
Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $69,345.00 | 6.270% | $0.00 | 2.4 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 111.72 | No | No | $112,805.48 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107927 | XXXXX | Non QM | Yes | No | $7,024.92 | $2,152.68 | 7.660% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed | US Citizen | $11,308.78 | 1 | XXXXX | $1,061.04 | XXXXX | $88.42 | 34.292% | 34.292% | 34.292% | 12/15/2025 | 732 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $7,024.92 | 6.250% | $20,000.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 5.920% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | 10.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104368 | XXXXX | Non QM | Yes | No | $11,086.88 | $13,785.10 | 6.676% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $43,596.74 | 1 | XXXXX | $749.04 | XXXXX | $62.42 | 13.222% | 13.222% | 13.222% | 11/10/2025 | 783 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $11,086.88 | 6.190% | $7,000.00 | 1.0 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 975 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000275 | Non QM | Yes | No | $0.00 | $314.69 | 6.633% | XXXXX | XXXXX | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $17,959.61 | 1 | XXXXX | $2,399.04 | XXXXX | $199.92 | 41.382% | 41.382% | 41.382% | 12/08/2025 | 766 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.5 | None | No | No | 6.625% | 2 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | No | 35 | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.21 | No | No | $0.00 | $19,933.33 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105761 | XXXXX | Non QM | Yes | No | $8,000.00 | $8,904.05 | 7.125% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $3,849.39 | 1 | XXXXX | $2,178.96 | XXXXX | $181.58 | 48.717% | 48.717% | 48.717% | 10/28/2025 | 767 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,000.00 | 6.220% | $5,000.00 | 2.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 63.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108299 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $11,025.00 | $7,511.00 | 8.527% | XXXXX | XXXXX | 8.000% | No | No | Self-Employed | US Citizen | $9,856.28 | 1 | XXXXX | $1,316.64 | XXXXX | $109.72 | 40.436% | 40.436% | 40.436% | 10/17/2025 | 707 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $11,025.00 | 6.220% | $0.00 | 2.6 | None | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 150.14 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105809 | XXXXX | Non QM | Yes | No | $4,771.02 | $1,371.95 | 8.001% | XXXXX | XXXXX | 8.000% | No | No | Self-Employed | US Citizen | $7,935.65 | 1 | XXXXX | $2,745.00 | XXXXX | $228.75 | 41.001% | 41.001% | 41.001% | 10/01/2025 | 747 | No | Yes | 48 | Personal, Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,771.02 | 6.220% | $14,000.00 | 1.5 | None | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 24 | 24 | 0.00 | No | XXXXX | XXXXX | 15.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108973 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $14,362.50 | $9,329.64 | 8.011% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed | US Citizen | $2,411.37 | 2 | XXXXX | $1,506.00 | XXXXX | $125.50 | 12.990% | 12.990% | 12.990% | 08/08/2025 | 808 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $14,362.50 | 6.220% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 41.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.92 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108159 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $1,160.16 | XXXXX | $96.68 | 0.000% | 0.000% | 0.000% | 12/02/2025 | 706 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.04 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104932 | XXXXX | Non QM | Yes | No | $2,895.00 | $4,184.20 | 6.896% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $23,492.53 | 1 | XXXXX | $6,702.96 | XXXXX | $558.58 | 47.579% | 47.579% | 47.579% | 11/18/2025 | 802 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2006 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2006 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2006 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2006 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,895.00 | 6.190% | $0.00 | 1.7 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.22 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106413 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $1,079.04 | XXXXX | $89.92 | 0.000% | 0.000% | 0.000% | 11/19/2025 | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 606.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000103765 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.999% | No | No | 0 | Permanent Resident Alien | US Citizen | 1 | XXXXX | $777.00 | XXXXX | $64.75 | 0.000% | 0.000% | 0.000% | 08/27/2025 | 712 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 5.0 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.62 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000103773 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 1 | XXXXX | $1,992.96 | XXXXX | $166.08 | 0.000% | 0.000% | 0.000% | 05/21/2025 | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | Closed End | No | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.73 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000103917 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | US Citizen | 1 | XXXXX | $4,796.88 | XXXXX | $399.74 | 0.000% | 0.000% | 0.000% | 10/16/2025 | 787 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | 240 | XXXXX | XXXXX | 28.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.44 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000308 | Non QM | Yes | No | $2,885.00 | $4,010.63 | 6.778% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $32,518.43 | 1 | XXXXX | $4,053.96 | XXXXX | $337.83 | 34.155% | 29.291% | 34.155% | 12/12/2025 | 787 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,885.00 | 6.270% | $0.00 | 2.1 | None | Yes | No | 6.750% | 2 | 0 | 2 | 0 | 3 | 2 | 10.97 | No | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.49 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109437 | XXXXX | Non QM | Yes | No | $12,521.00 | $13,715.82 | 7.130% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $113,025.42 | 1 | XXXXX | $4,724.04 | XXXXX | $393.67 | 5.731% | 5.190% | 5.731% | 08/07/2025 | 718 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $12,521.00 | 6.630% | $0.00 | 3.4 | None | Yes | No | 6.750% | 0 | 0 | 0 | 5 | 0 | 12.00 | No | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 182.94 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100607 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $17,057.50 | $20,959.67 | 6.758% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $12,948.16 | 1 | XXXXX | $1,551.96 | XXXXX | $129.33 | 35.134% | 35.134% | 35.134% | 09/22/2025 | 808 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $17,057.50 | 6.170% | $210,000.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 16.890% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.48 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000101966 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,493.44 | 6.933% | XXXXX | XXXXX | 6.875% | No | No | Non-Employment Income | US Citizen | $4,907.79 | 1 | XXXXX | $1,140.00 | XXXXX | $95.00 | 48.898% | 48.898% | 48.898% | 12/24/2025 | 803 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $0.00 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 201.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103165 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | Permanent Resident Alien | 1 | XXXXX | $3,474.00 | XXXXX | $289.50 | 0.000% | 0.000% | 0.000% | 12/13/2025 | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | 85.020% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 63.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107778 | XXXXX | N/A | No | No | $1,640.00 | $5,007.22 | 7.547% | XXXXX | XXXXX | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | $69,658.30 | 2 | XXXXX | $1,773.00 | XXXXX | $147.75 | 38.582% | 38.582% | 38.582% | 12/05/2025 | 768 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 85.00000% | Expense Ratio Source: Third Party Verification | # of Bank
Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2016 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2016 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.250% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 12.100% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 135.23 | No | No | $113,415.96 | $0.00 | No | No | No | No | 10 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000284 | Non QM | Yes | No | $7,845.00 | $8,937.89 | 6.934% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $9,763.93 | 1 | XXXXX | $2,485.20 | XXXXX | $207.10 | 45.506% | 45.506% | 45.506% | 12/11/2025 | 819 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,845.00 | 6.190% | $15,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 0.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.85 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107684 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,189.32 | XXXXX | $99.11 | 0.000% | 0.000% | 0.000% | 12/02/2025 | 803 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 50.740% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109554 | XXXXX | Non QM | Yes | No | $26,085.00 | $33,932.74 | 6.620% | XXXXX | XXXXX | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $15,640.44 | 1 | XXXXX | $2,778.24 | XXXXX | $231.52 | 53.079% | 53.079% | 53.079% | 12/15/2025 | 805 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $26,085.00 | 6.180% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 2 | 0 | 4 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 144.62 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000320 | Non QM | Yes | No | $4,415.00 | $5,899.23 | 6.593% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | US Citizen | $15,503.75 | 1 | XXXXX | $2,385.00 | XXXXX | $198.75 | 22.203% | 22.203% | 22.203% | 12/17/2025 | 798 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $4,415.00 | 6.270% | $0.00 | 1.2 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 412.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000340 | N/A | No | No | $48,895.00 | $9,279.16 | 8.404% | XXXXX | XXXXX | 8.375% | No | No | Self-Employed | US Citizen | $165,628.29 | 1 | XXXXX | $6,083.04 | XXXXX | $506.92 | 26.117% | 26.117% | 26.117% | 12/24/2025 | 755 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $48,895.00 | 6.180% | $0.00 | 1.0 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 77.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 57.87 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109138 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $3,395.16 | XXXXX | $282.93 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 360 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 140.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109403 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,437.60 | XXXXX | $119.80 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | 360 | XXXXX | XXXXX | 78.440% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108578 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $860.52 | XXXXX | $71.71 | 0.000% | 0.000% | 0.000% | 12/12/2025 | 770 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107120 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $1,221.96 | XXXXX | $101.83 | 0.000% | 0.000% | 0.000% | 11/07/2025 | 715 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.5 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXXX | XXXXX | 36.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109423 | XXXXX | Non QM | Yes | No | $0.00 | $0.00 | 6.845% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $14,231.75 | 1 | XXXXX | $1,532.04 | XXXXX | $127.67 | 49.850% | 49.850% | 49.850% | 12/30/2025 | 793 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.180% | $76,431.72 | 2.4 | None | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 26.450% | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105511 | XXXXX | Non QM | Yes | No | $8,164.64 | $8,129.35 | 7.223% | XXXXX | XXXXX | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $17,609.47 | 1 | XXXXX | $4,251.72 | XXXXX | $354.31 | 42.757% | 42.757% | 42.757% | 11/22/2025 | 730 | Yes | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $8,164.64 | 6.220% | $0.00 | 3.9 | None | No | No | 7.125% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | No | 36 | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 58.66 | No | $0.00 | $11,805.85 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000307 | Non QM | Yes | No | $1,595.00 | $3,972.15 | 6.865% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $7,093.68 | 1 | XXXXX | $1,686.84 | XXXXX | $140.57 | 29.063% | 29.063% | 29.063% | 01/13/2026 | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Telephone Listing / Internet Search / Directory Assistance -
2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.270% | $0.00 | 2.5 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 76.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108283 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $2,696.04 | XXXXX | $224.67 | 0.000% | 0.000% | 0.000% | 11/10/2025 | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 61.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108505 | XXXXX | Non QM | Yes | No | $0.00 | $5,580.04 | 8.032% | XXXXX | XXXXX | 8.000% | No | No | Self-Employed | US Citizen | $18,360.09 | 1 | XXXXX | $2,141.04 | XXXXX | $178.42 | 33.983% | 33.983% | 33.983% | 12/16/2025 | 781 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | 6.250% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000334 | Non QM | Yes | No | $1,945.00 | $4,483.50 | 6.777% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $8,786.32 | 1 | XXXXX | $3,332.04 | XXXXX | $277.67 | 46.042% | 46.042% | 46.042% | 11/19/2025 | 786 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,945.00 | 6.170% | $0.00 | 4.6 | None | No | No | 6.750% | 0 | 1 | 0 | 4 | 1 | 12.00 | No | XXXXX | XXXXX | 23.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 29.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108068 | XXXXX | Non QM | Yes | No | $13,186.38 | $15,563.24 | 6.771% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | US Citizen | $8,257.48 | 1 | XXXXX | $2,777.04 | XXXXX | $231.42 | 33.741% | 33.741% | 33.741% | 12/15/2025 | 796 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $13,186.38 | 6.250% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 275.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107770 | XXXXX | N/A | No | No | $11,240.00 | $8,204.79 | 6.937% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $42,208.46 | 1 | XXXXX | $1,533.96 | XXXXX | $127.83 | 37.636% | 37.636% | 37.636% | 01/02/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; VVOE - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $11,240.00 | 6.250% | $0.00 | 1.0 | None | Yes | No | 6.875% | 1 | 0 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 79.340% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 73.29 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000272 | Non QM | Yes | No | $1,595.00 | $5,940.41 | 6.980% | XXXXX | XXXXX | 7.702% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $8,100.67 | 1 | XXXXX | $4,873.20 | XXXXX | $406.10 | 0.000% | 0.000% | 0.000% | 11/06/2025 | 807 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (Residual Income) | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.190% | $0.00 | 1.5 | None | Yes | No | 7.702% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 198.55 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109099 | XXXXX | Non QM | Yes | No | $2,490.00 | $11,834.60 | 6.688% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $26,472.17 | 1 | XXXXX | $5,533.08 | XXXXX | $461.09 | 36.001% | 36.001% | 36.001% | 12/22/2025 | 787 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.180% | $578,020.64 | 4.4 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 12.820% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.43 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107577 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $13,846.50 | $16,670.90 | 7.310% | XXXXX | XXXXX | 7.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $3,117.33 | 1 | XXXXX | $5,219.16 | XXXXX | $434.93 | 0.000% | 0.000% | 0.000% | 12/15/2025 | 750 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $13,846.50 | 6.270% | $0.00 | 3.1 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 156.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109287 | XXXXX | Non QM | Yes | No | $2,035.00 | $5,437.87 | 6.773% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $18,988.98 | 1 | XXXXX | $3,075.00 | XXXXX | $256.25 | 44.645% | 44.645% | 44.645% | 01/05/2026 | 806 | No | Yes | 24 | Business | 100.000% | 49.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense
Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,035.00 | 6.180% | $50,000.00 | 1.6 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 69.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 79.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107499 | XXXXX | N/A | No | No | $99,188.00 | $13,824.25 | 7.903% | XXXXX | XXXXX | 7.875% | No | No | Not Employed | Self-Employed | US Citizen | $198,146.75 | 1 | XXXXX | $0.00 | XXXXX | $0.00 | 35.615% | 35.615% | 35.615% | 12/09/2025 | 783 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $99,188.00 | 6.270% | $0.00 | 3.5 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 41.33 | No | No | $307,754.20 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108150 | XXXXX | Non QM | Yes | No | $1,795.00 | $3,937.03 | 7.426% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $99,147.57 | 1 | XXXXX | $5,103.96 | XXXXX | $425.33 | 18.669% | 18.669% | 18.669% | 01/05/2026 | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,795.00 | 6.250% | $0.00 | 2.5 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103146 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $17,915.00 | $22,386.89 | 7.762% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $10,005.68 | 1 | XXXXX | $2,625.00 | XXXXX | $218.75 | 34.042% | 34.042% | 34.042% | 11/14/2025 | 780 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $17,915.00 | 6.230% | $0.00 | 2.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 38.360% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107446 | XXXXX | Non QM | Yes | No | $1,692.00 | $2,784.58 | 6.865% | XXXXX | XXXXX | 6.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,847.60 | 1 | XXXXX | $1,692.24 | XXXXX | $141.02 | 22.261% | 22.261% | 22.261% | 12/18/2025 | 814 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,692.00 | 6.270% | $0.00 | 3.1 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 520.47 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105096 | XXXXX | Non QM | Yes | No | $1,540.00 | $8,364.24 | 6.418% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $19,090.93 | 1 | XXXXX | $5,316.96 | XXXXX | $443.08 | 38.580% | 38.580% | 38.580% | 12/04/2025 | 789 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,540.00 | 6.190% | $2,450.00 | 2.6 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 392.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000090953 | XXXXX | N/A | No | No | $4,737.50 | $5,507.90 | 7.480% | XXXXX | XXXXX | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $8,411.89 | 2 | XXXXX | $1,512.96 | XXXXX | $126.08 | 28.890% | 28.890% | 28.890% | 07/30/2025 | 806 | No | No | [Coborrower(s) - |
Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,737.50 | 6.170% | $5,000.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 40.880% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 111.35 | No | No | $11,768.42 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109118 | XXXXX | Safe Harbor QM (APOR) | Yes | No | $1,740.00 | $0.00 | 6.979% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | US Citizen | $16,478.16 | 1 | XXXXX | $1,107.96 | XXXXX | $92.33 | 23.396% | 23.396% | 23.396% | 12/16/2025 | 775 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.170% | $15,000.00 | 1.0 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | Not Stated | XXXXX | XXXXX | 5.090% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104824 | XXXXX | Non QM | Yes | No | $2,270.00 | $8,103.09 | 6.521% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $39,679.67 | 1 | XXXXX | $9,767.16 | XXXXX | $813.93 | 37.261% | 37.261% | 37.261% | 09/17/2025 | 725 | Yes | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | Yes | XXXXX | $2,270.00 | 6.180% | $0.00 | 2.0 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 145.61 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110669 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,960.00 | $4,338.03 | 7.330% | XXXXX | XXXXX | 7.250% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $4,650.29 | 1 | XXXXX | $404.88 | XXXXX | $33.74 | 41.871% | 41.871% | 41.871% | 12/30/2025 | 754 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,960.00 | 6.250% | $100,977.60 | 1.2 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 4.360% | No | 12 | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 4.94 | Yes | $0.00 | $1,500.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105330 | XXXXX | Non QM | Yes | No | $3,213.20 | $6,010.10 | 6.728% | XXXXX | XXXXX | 6.625% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $5,262.70 | 1 | XXXXX | $2,031.96 | XXXXX | $169.33 | 38.086% | 38.086% | 38.086% | 12/02/2025 | 766 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $3,213.20 | 6.900% | $1,500.00 | 1.8 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 221.21 | No | $8,500.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109891 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $20,949.50 | $21,746.40 | 7.543% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $8,980.49 | 1 | XXXXX | $2,310.00 | XXXXX | $192.50 | 42.811% | 42.811% | 42.811% | 10/14/2025 | 787 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $20,949.50 | 6.180% | $29,750.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 28.110% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109741 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $16,565.00 | $19,940.40 | 7.503% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $10,697.29 | 1 | XXXXX | $2,142.00 | XXXXX | $178.50 | 36.127% | 36.127% | 36.127% | 01/13/2026 | 760 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $16,565.00 | 6.170% | $0.00 | 1.1 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 38.700% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108336 | XXXXX | N/A | No | No | $5,137.00 | $7,630.52 | 7.870% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $150,432.94 | 1 | XXXXX | $1,059.00 | XXXXX | $88.25 | 10.756% | 10.756% | 10.756% | 11/15/2025 | 702 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,137.00 | 6.250% | $0.00 | 2.5 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 95.47 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106261 | XXXXX | Non QM | Yes | No | $7,395.00 | $8,552.75 | 7.488% | XXXXX | XXXXX | 6.999% | No | No | Self-Employed | US Citizen | $4,887.17 | 1 | XXXXX | $2,775.00 | XXXXX | $231.25 | 44.217% | 44.217% | 44.217% | 10/23/2025 | 743 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $7,395.00 | 6.230% | $156,068.92 | 1.0 | None | Yes | No | 6.999% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 2.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.11 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106594 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $19,195.00 | $1,620.21 | 7.352% | XXXXX | XXXXX | 7.375% | No | Yes | Self-Employed | Self-Employed | US Citizen | US Citizen | $15,357.43 | 1 | XXXXX | $2,703.36 | XXXXX | $225.28 | 34.360% | 34.360% | 34.360% | 11/03/2025 | 812 | No | Yes | 24 | Business | 80.000% | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $19,195.00 | 6.170% | ($15,000.00) | 4.7 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 26.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.96 | No | No | $16,159.67 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000106580 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $13,545.00 | $9,294.55 | 7.301% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $17,005.00 | 1 | XXXXX | $2,487.96 | XXXXX | $207.33 | 48.597% | 48.597% | 48.597% | 10/28/2025 | 650 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $13,545.00 | 6.260% | $15,000.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 24.00 | No | XXXXX | XXXXX | 33.440% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 4.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104189 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $23,650.00 | $26,953.00 | 6.830% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,347.04 | 2 | XXXXX | $1,226.04 | XXXXX | $102.17 | 38.322% | 38.322% | 38.322% | 11/19/2025 | 777 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $23,650.00 | 6.170% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.5 | No | $6,856.92 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108905 | XXXXX | Non QM | Yes | No | $9,126.40 | $4,188.19 | 7.045% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $3,539.34 | 1 | XXXXX | $1,709.40 | XXXXX | $142.45 | 48.705% | 48.705% | 48.705% | 12/19/2025 | 791 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,126.40 | 6.250% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108731 | XXXXX | Non QM | Yes | No | $3,045.00 | $10,902.85 | 6.903% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $30,359.40 | 1 | XXXXX | $1,659.00 | XXXXX | $138.25 | 39.559% | 39.559% | 39.559% | 12/24/2025 | 805 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $3,045.00 | 6.250% | $0.00 | 1.3 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 30.960% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 5.25 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111881 | XXXXX | Non QM | Yes | No | $1,690.00 | $4,381.70 | 6.529% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $20,520.50 | 1 | XXXXX | $1,323.96 | XXXXX | $110.33 | 45.999% | 45.999% | 45.999% | 12/22/2025 | 809 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 6.060% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 12.510% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.3 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109909 | XXXXX | N/A | No | No | $3,254.00 | $6,620.85 | 7.473% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $5,151.98 | 1 | XXXXX | $1,047.96 | XXXXX | $87.33 | 49.966% | 49.966% | 49.966% | 12/27/2025 | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,254.00 | 6.180% | $7,320.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 27.710% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 14.28 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105292 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,548.97 | 7.151% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | US Citizen | $17,560.46 | 1 | XXXXX | $2,702.16 | XXXXX | $225.18 | 35.786% | 35.786% | 35.786% | 12/02/2025 | 797 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.190% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 30.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107731 | XXXXX | Non QM | Yes | No | $2,366.88 | $10,804.53 | 6.513% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $28,749.47 | 1 | XXXXX | $15,161.04 | XXXXX | $1,263.42 | 49.294% | 49.294% | 49.294% | 11/19/2025 | 814 | Yes | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,366.88 | 6.250% | $18,000.00 | 3.7 | None | No | No | 6.500% | 2 | 2 | 2 | 0 | 3 | 2 | 10.97 | No | 60 | XXXXX | XXXXX | 100.000% | No | 47 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | 30.19 | No | No | $0.00 | $6,383.87 | No | No | No | No | 3 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109502 | XXXXX | Non QM | Yes | No | $5,279.80 | $2,755.53 | 6.987% | XXXXX | XXXXX | 6.850% | No | No | Self-Employed | US Citizen | $27,217.64 | 1 | XXXXX | $3,373.56 | XXXXX | $281.13 | 6.926% | 6.926% | 6.926% | 12/26/2025 | 804 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,279.80 | 6.250% | $12,000.00 | 1.0 | None | N/A | No | 6.850% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 18.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109560 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $1,413.00 | XXXXX | $117.75 | 0.000% | 0.000% | 0.000% | 11/12/2025 | 716 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108917 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,538.64 | XXXXX | $128.22 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 174.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000344 | Non QM | Yes | No | $13,635.00 | $15,209.33 | 7.010% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,813.52 | 1 | XXXXX | $1,445.04 | XXXXX | $120.42 | 39.926% | 39.926% | 39.926% | 12/18/2025 | 816 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $13,635.00 | 6.250% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 40.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108518 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $1,497.00 | XXXXX | $124.75 | 0.000% | 0.000% | 0.000% | 12/24/2025 | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | 240 | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 114.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108902 | XXXXX | Non QM | Yes | No | $3,660.00 | $5,590.48 | 7.097% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $3,224.74 | 1 | XXXXX | $1,578.00 | XXXXX | $131.50 | 42.178% | 42.178% | 42.178% | 11/13/2025 | 765 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,660.00 | 6.250% | $0.00 | 1.7 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 54.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000286 | Non QM | Yes | No | $1,950.00 | $5,148.36 | 6.520% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $57,892.50 | 1 | XXXXX | $6,267.96 | XXXXX | $522.33 | 15.873% | 15.873% | 15.873% | 12/02/2025 | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 17.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,950.00 | 6.190% | $0.00 | 3.1 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 130.81 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107400 | XXXXX | Non QM | Yes | No | $2,465.00 | $5,420.72 | 6.792% | XXXXX | XXXXX | 6.750% | No | No | Non-Employment Income | US Citizen | $19,091.20 | 1 | XXXXX | $3,975.96 | XXXXX | $331.33 | 40.834% | 40.834% | 40.834% | 12/08/2025 | 783 | No | No | [Borrower - |
Primary Income - Note Receivable]; Account Statements - 2025 [Borrower - | Primary Income - Note Receivable]; Note - 2024 [Borrower - | Primary Income - Note Receivable]; Other - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.270% | $0.00 | 3.2 | None | Yes | No | 6.750% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 52.620% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.51 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000350 | Non QM | Yes | No | $7,920.63 | $9,261.83 | 7.139% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,415.73 | 1 | XXXXX | $3,372.96 | XXXXX | $281.08 | 49.959% | 49.959% | 49.959% | 12/19/2025 | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,920.63 | 6.180% | $200,000.00 | 2.8 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000240 | Non QM | Yes | No | $1,950.00 | $3,398.50 | 6.773% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | US Citizen | $9,184.92 | 1 | XXXXX | $2,511.00 | XXXXX | $209.25 | 47.157% | 47.157% | 47.157% | 01/15/2026 | 759 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,950.00 | 6.190% | $0.00 | 2.3 | None | No | No | 6.750% | 0 | 1 | 2 | 0 | 2 | 2 | 10.00 | No | XXXXX | XXXXX | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 154.11 | No | No | ($357.00) | $10,050.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000310 | Non QM | Yes | No | $1,595.00 | $0.00 | 5.995% | XXXXX | XXXXX | 6.000% | No | No | Employed | Employed | US Citizen | US Citizen | $11,392.44 | 1 | XXXXX | $4,285.08 | XXXXX | $357.09 | 48.412% | 48.412% | 48.412% | 12/15/2025 | 802 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.060% | $22,552.48 | 1.3 | None | No | No | 6.000% | 0 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 45.130% | No | 3 | 1 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.43 | No | No | $0.00 | $11,666.68 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000092260 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,527.96 | XXXXX | $127.33 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | XXXXX | 18.410% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 56.08 | Yes | 15.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112835 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | Permanent Resident Alien | 1 | XXXXX | $1,761.00 | XXXXX | $146.75 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.61 | 1.63 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108834 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $1,471.92 | XXXXX | $122.66 | 0.000% | 0.000% | 0.000% | 11/17/2025 | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 46.590% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109086 | XXXXX | Non QM | Yes | No | $0.00 | $780.84 | 6.250% | XXXXX | XXXXX | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $14,866.12 | 1 | XXXXX | $3,702.24 | XXXXX | $308.52 | 44.494% | 44.494% | 44.494% | 11/06/2025 | 786 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.180% | $0.00 | 1.6 | None | Yes | No | 6.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 9 | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 143.18 | Yes | No | $0.00 | $18,018.54 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107734 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $3,287.64 | XXXXX | $273.97 | 0.000% | 0.000% | 0.000% | 12/04/2025 | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109597 | XXXXX | Non QM | Yes | No | $1,395.00 | $2,551.18 | 6.519% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | US Citizen | $31,535.36 | 1 | XXXXX | $4,256.52 | XXXXX | $354.71 | 26.771% | 26.771% | 26.771% | 01/07/2026 | 751 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,395.00 | 6.180% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 547.96 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113483 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $4,624.38 | $6,367.98 | 8.866% | XXXXX | XXXXX | 8.500% | No | No | Employed | Permanent Resident Alien | $4,401.77 | 1 | XXXXX | $249.96 | XXXXX | $20.83 | 32.281% | 32.281% | 32.281% | 02/24/2025 | 757 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,624.38 | 6.870% | $0.00 | None | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 35.150% | No | 12 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.01 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000322 | Non QM | Yes | No | $1,950.00 | $3,405.00 | 6.775% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $22,750.34 | 1 | XXXXX | $2,103.00 | XXXXX | $175.25 | 29.906% | 29.906% | 29.906% | 12/18/2025 | 796 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,950.00 | 6.270% | $0.00 | 2.6 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.87 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108400 | XXXXX | Non QM | Yes | No | $5,143.00 | $4,411.76 | 7.657% | XXXXX | XXXXX | 7.425% | No | No | Self-Employed | US Citizen | $3,548.29 | 1 | XXXXX | $1,805.16 | XXXXX | $150.43 | 42.198% | 42.198% | 42.198% | 12/18/2025 | 799 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,143.00 | 6.250% | $5,000.00 | 2.3 | None | N/A | No | 7.425% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 41.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | 29.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109442 | XXXXX | Non QM | Yes | No | $18,570.00 | $21,580.56 | 9.205% | XXXXX | XXXXX | 8.875% | No | No | Employed | US Citizen | $6,897.68 | 2 | XXXXX | $2,153.52 | XXXXX | $179.46 | 48.802% | 48.802% | 48.802% | 10/07/2025 | 696 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $18,570.00 | 6.180% | $0.00 | None | No | No | 8.875% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 24.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.77 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104298 | XXXXX | Non QM | Yes | No | $16,468.37 | $20,194.80 | 6.649% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | Non-Permanent Resident Alien | $7,376.58 | 1 | XXXXX | $1,121.04 | XXXXX | $93.42 | 36.287% | 36.287% | 36.287% | 11/07/2025 | 798 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - |
Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% |
Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank
Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $16,468.37 | 6.230% | $0.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO Risk Score Classic 04 | Employment Authorization | No | 24.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109432 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,057.04 | 6.898% | XXXXX | XXXXX | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $27,727.17 | 1 | XXXXX | $2,855.64 | XXXXX | $237.97 | 47.821% | 47.821% | 47.821% | 12/23/2025 | 789 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.180% | $0.00 | 1.3 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 52.320% | No | 17 | 8 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 50.88 | Yes | No | $0.00 | $16,634.99 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110593 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,364.04 | XXXXX | $113.67 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.3 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108772 | XXXXX | Non QM | Yes | No | $8,340.00 | $11,329.66 | 7.196% | XXXXX | XXXXX | 7.686% | No | No | Employed | US Citizen | $13,568.96 | 1 | XXXXX | $2,040.00 | XXXXX | $170.00 | 28.584% | 29.049% | 28.584% | 12/08/2025 | 723 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,340.00 | 6.420% | $0.00 | 1.0 | None | N/A | No | 7.686% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 48.090% | No | 35 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115164 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $8,252.40 | XXXXX | $687.70 | 0.000% | 0.000% | 0.000% | 12/10/2025 | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 17.010% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 38.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115075 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.125% | No | No | US Citizen | 1 | XXXXX | $1,500.96 | XXXXX | $125.08 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 80.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105747 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $38,345.00 | $0.00 | 7.498% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $48,702.23 | 1 | XXXXX | $1,034.04 | XXXXX | $86.17 | 40.268% | 40.268% | 40.268% | 10/16/2025 | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $38,345.00 | 6.220% | $384,000.00 | 1.4 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 22.560% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.11 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000104512 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.499% | No | No | US Citizen | 1 | XXXXX | $1,839.00 | XXXXX | $153.25 | 0.000% | 0.000% | 0.000% | 11/13/2025 | 666 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.5 | Yes | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.82 | 0.55 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 120.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115726 | XXXXX | N/A | No | No | $62,410.50 | $43,182.40 | 8.110% | XXXXX | XXXXX | 8.834% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | $11,526.71 | 2 | XXXXX | $2,376.96 | XXXXX | $198.08 | 39.820% | 36.718% | 39.820% | 03/05/2025 | 794 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $62,410.50 | 7.180% | $0.00 | None | N/A | No | 8.834% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 11.440% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 18.83 | No | Yes | $17,909.33 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108606 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,932.26 | 6.257% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $46,543.08 | 1 | XXXXX | $11,997.00 | XXXXX | $999.75 | 38.075% | 38.075% | 38.075% | 12/16/2025 | 780 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.250% | $0.00 | 5.0 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 320.77 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108642 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $1,955.52 | XXXXX | $162.96 | 0.000% | 0.000% | 0.000% | 12/30/2025 | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 104.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110346 | XXXXX | Non QM | Yes | No | $1,720.00 | $7,760.98 | 6.702% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $8,192.46 | 1 | XXXXX | $1,800.12 | XXXXX | $150.01 | 46.769% | 46.769% | 46.769% | 12/31/2025 | 790 | No | Yes | 12 | Business | 46.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,720.00 | 6.170% | $0.00 | 1.4 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 73.220% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 65.66 | No | $4,900.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110587 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,721.39 | 6.833% | XXXXX | XXXXX | 6.750% | No | No | Employed | Not Employed | Not Employed | Employed | 0 | 16.5 | US Citizen | US Citizen | US Citizen | US Citizen | $17,458.45 | 1 | XXXXX | $1,328.04 | XXXXX | $110.67 | 47.103% | 47.103% | 47.103% | 12/22/2025 | 806 | 799 | 797 | 809 | 808 | 803 | 815 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $7,000.00 | 1.0 | None | No | No | 6.750% | 2 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 24 | 20 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 202.8 | No | No | $0.00 | $3,541.67 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108507 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,044.00 | XXXXX | $87.00 | 0.000% | 0.000% | 0.000% | 12/22/2025 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 179.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113223 | XXXXX | N/A | No | No | XXXXX | XXXXX | 5.750% | No | No | US Citizen | 2 | XXXXX | $611.04 | XXXXX | $50.92 | 0.000% | 0.000% | 0.000% | 01/19/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 52.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 43.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109563 | XXXXX | Non QM | Yes | No | $1,640.00 | $10,696.07 | 6.409% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $17,488.41 | 1 | XXXXX | $3,815.04 | XXXXX | $317.92 | 36.772% | 36.772% | 36.772% | 01/28/2026 | 793 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.180% | $0.00 | 4.5 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 262.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110225 | XXXXX | Non QM | Yes | No | $1,740.00 | $16,995.06 | 6.048% | XXXXX | XXXXX | 6.000% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $13,048.66 | 1 | XXXXX | $3,918.36 | XXXXX | $326.53 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 801 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.170% | $0.00 | 1.0 | None | No | No | 6.000% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 184.48 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108601 | XXXXX | Non QM | Yes | No | $710.00 | $2,161.46 | 8.303% | XXXXX | XXXXX | 8.250% | No | No | Self-Employed | US Citizen | $23,975.16 | 1 | XXXXX | $4,062.96 | XXXXX | $338.58 | 13.080% | 13.080% | 13.080% | 12/12/2025 | 665 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $710.00 | 6.250% | $0.00 | 2.0 | None | No | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 61.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112914 | XXXXX | Non QM | Yes | No | $19,690.00 | $35,501.58 | 7.610% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $22,502.92 | 1 | XXXXX | $13,318.32 | XXXXX | $1,109.86 | 48.746% | 48.746% | 48.746% | 01/09/2026 | 793 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2024 [Borrower - | Primary Income - P&L Statement Only]; Other - 2009 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 1995 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 1998 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $19,690.00 | 6.060% | $0.00 | 2.6 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 25.050% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 64.64 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109767 | XXXXX | Non QM | Yes | No | $25,378.80 | $3,508.65 | 6.405% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | US Citizen | $5,503.85 | 1 | XXXXX | $2,886.48 | XXXXX | $240.54 | 54.720% | 54.720% | 54.720% | 12/09/2025 | 754 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $25,378.80 | 6.180% | $30,000.00 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 28.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.35 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109406 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,040.45 | 6.667% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,330.03 | 1 | XXXXX | $3,450.00 | XXXXX | $287.50 | 40.961% | 40.961% | 40.961% | 01/21/2026 | 726 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.180% | $689,701.81 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 30.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 58.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107333 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,632.00 | XXXXX | $136.00 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 48.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114369 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,026.80 | $10,055.30 | 9.187% | XXXXX | XXXXX | 8.875% | No | No | Employed | Permanent Resident Alien | $8,226.40 | 1 | XXXXX | $613.80 | XXXXX | $51.15 | 40.172% | 40.172% | 40.172% | 01/15/2026 | 686 | No | No | [Borrower - | Primary Income - Wages]; WVOE - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $9,026.80 | 6.060% | $0.00 | 1.0 | None | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 21.550% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 9.9 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114866 | XXXXX | Non QM | Yes | No | $11,166.77 | $4,404.16 | 7.042% | XXXXX | XXXXX | 6.999% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXXX | $39,099.14 | 1 | XXXXX | $5,456.76 | XXXXX | $454.73 | 15.890% | 15.017% | 15.890% | 02/02/2026 | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2001 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,166.77 | 6.100% | $0.00 | 1.1 | None | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 360 | XXXXX | XXXXX | 46.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 14.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109804 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $834.96 | XXXXX | $69.58 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | 240 | XXXXX | XXXXX | 19.020% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111453 | XXXXX | Non QM | Yes | No | $5,340.48 | $13,352.85 | 6.299% | XXXXX | XXXXX | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $17,026.05 | 1 | XXXXX | $1,523.52 | XXXXX | $126.96 | 47.510% | 47.510% | 47.510% | 01/16/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,340.48 | 6.170% | $7,500.00 | 4.0 | None | Yes | No | 6.250% | 2 | 1 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 36.700% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.99 | No | No | $0.00 | $10,790.76 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111031 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,422.28 | 6.816% | XXXXX | XXXXX | 6.750% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $11,806.67 | 1 | XXXXX | $741.00 | XXXXX | $61.75 | 32.972% | 32.972% | 32.972% | 01/14/2026 | 750 | No | No | [Borrower - |
Primary Income - Wages]; D1C Income Verification Report - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $0.00 | 1.0 | None | No | No | 6.750% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 219.42 | Yes | No | $3,364.50 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113580 | XXXXX | Non QM | Yes | No | $7,511.11 | $8,703.64 | 7.185% | XXXXX | XXXXX | 6.875% | No | No | Non-Employment Income | US Citizen | $2,197.10 | 1 | XXXXX | $1,608.48 | XXXXX | $134.04 | 49.844% | 49.844% | 49.844% | 12/15/2025 | 732 | No | No | [Borrower - |
Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $7,511.11 | 6.140% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 2 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109537 | XXXXX | Non QM | Yes | No | $13,568.70 | $16,645.36 | 6.916% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $6,299.33 | 1 | XXXXX | $903.00 | XXXXX | $75.25 | 53.512% | 53.512% | 53.512% | 11/13/2025 | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $13,568.70 | 6.140% | $9,000.00 | 2.5 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 1.340% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.34 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111275 | XXXXX | Non QM | Yes | No | $5,155.63 | $9,423.69 | 6.778% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $6,793.80 | 1 | XXXXX | $1,419.96 | XXXXX | $118.33 | 44.046% | 36.291% | 44.046% | 01/16/2026 | 814 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,155.63 | 6.170% | $700.00 | 2.7 | None | Yes | No | 6.625% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | XXXXX | XXXXX | 54.940% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 47.45 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110771 | XXXXX | Non QM | Yes | No | $1,891.16 | $3,934.08 | 6.857% | XXXXX | XXXXX | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,115.47 | 1 | XXXXX | $606.96 | XXXXX | $50.58 | 28.436% | 28.436% | 28.436% | 01/09/2026 | 797 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2023 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,891.16 | 6.170% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 132.81 | No | No | $1,851.12 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000109074 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | Not Provided | 1 | XXXXX | $10,696.32 | XXXXX | $891.36 | 0.000% | 0.000% | 0.000% | 11/12/2025 | 790 | No | No | [Coborrower]; 1084 or income worksheet - Year Not Available | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | 240 | XXXXX | XXXXX | 11.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.88 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000109166 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 2 | XXXXX | $6,662.04 | XXXXX | $555.17 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 67.97 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000109274 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | Permanent Resident Alien | 1 | XXXXX | $1,307.04 | XXXXX | $108.92 | 0.000% | 0.000% | 0.000% | 09/11/2025 | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41.84 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112987 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.000% | No | No | US Citizen | 1 | XXXXX | $945.00 | XXXXX | $78.75 | 0.000% | 0.000% | 0.000% | 11/17/2025 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | 32.710% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111439 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,805.14 | 6.550% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $11,113.37 | 1 | XXXXX | $2,347.32 | XXXXX | $195.61 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 796 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $0.00 | 1.5 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 296.02 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000381 | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $2,224.56 | XXXXX | $185.38 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | 18.740% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000103157 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.749% | No | No | US Citizen | 1 | XXXXX | $12,578.04 | XXXXX | $1,048.17 | 0.000% | 0.000% | 0.000% | 11/03/2025 | 770 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113258 | XXXXX | N/A | No | No | $1,790.00 | $4,265.52 | 7.591% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $11,979.37 | 2 | XXXXX | $4,476.12 | XXXXX | $373.01 | 44.889% | 44.889% | 51.462% | 11/18/2025 | 791 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 5.940% | $0.00 | None | No | No | 7.500% | 0 | 2 | 0 | 2 | 2 | 24.00 | No | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 182.23 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110208 | XXXXX | Non QM | Yes | No | $2,270.00 | $4,162.80 | 7.019% | XXXXX | XXXXX | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $4,961.16 | 1 | XXXXX | $1,496.04 | XXXXX | $124.67 | 39.100% | 39.100% | 39.100% | 01/12/2026 | 807 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; Employer Letter - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.170% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 10.580% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.69 | No | No | $0.00 | $4,069.26 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110756 | XXXXX | N/A | No | No | $4,926.45 | $6,087.67 | 7.457% | XXXXX | XXXXX | 7.125% | No | No | Employed | US Citizen | $5,999.36 | 1 | XXXXX | $644.04 | XXXXX | $53.67 | 39.994% | 39.994% | 39.994% | 12/22/2025 | 819 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,926.45 | 6.170% | $0.00 | None | No | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 81.910% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 101.31 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109873 | XXXXX | Non QM | Yes | No | $2,038.56 | $3,483.62 | 6.562% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $4,493.63 | 1 | XXXXX | $1,425.24 | XXXXX | $118.77 | 39.372% | 39.372% | 39.372% | 01/09/2026 | 798 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,038.56 | 6.170% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 22.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000324 | Non QM | Yes | No | $1,595.00 | $5,616.80 | 6.530% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $28,190.57 | 1 | XXXXX | $3,923.04 | XXXXX | $326.92 | 42.663% | 42.663% | 42.663% | 12/18/2025 | 794 | No | Yes | 12 | Personal | 71.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.140% | $0.00 | 1.6 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 32.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.08 | Retail | No | No | $0.00 | $14,166.68 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109933 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $7,196.04 | XXXXX | $599.67 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 820 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | XXXXX | 8.460% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112167 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $3,652.56 | XXXXX | $304.38 | 0.000% | 0.000% | 0.000% | 11/10/2025 | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.4 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.06 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108720 | XXXXX | Non QM | Yes | No | $2,692.00 | $3,963.30 | 6.615% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $4,542.55 | 1 | XXXXX | $1,193.64 | XXXXX | $99.47 | 47.748% | 47.748% | 47.748% | 12/31/2025 | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,692.00 | 6.060% | $10,000.00 | 2.8 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 53.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109929 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,929.18 | 6.763% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $16,671.63 | 1 | XXXXX | $3,465.96 | XXXXX | $288.83 | 31.981% | 31.981% | 31.981% | 01/08/2026 | 750 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.180% | $13,500.00 | 2.7 | None | Yes | No | 6.750% | 1 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 27.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 39.81 | Yes | No | $10,225.83 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116525 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $966.36 | XXXXX | $80.53 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 999.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.64 | XXXXX | XXXXX | 59.910% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 59.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116197 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | 0 | US Citizen | US Citizen | 2 | XXXXX | $2,115.00 | XXXXX | $176.25 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 755 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.45 | 2.23 | XXXXX | XXXXX | 46.180% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 69.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114299 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | 0 | 0 | US Citizen | 1 | XXXXX | $1,002.00 | XXXXX | $83.50 | 0.000% | 0.000% | 0.000% | 01/18/2026 | 760 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.53 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110073 | XXXXX | Non QM | Yes | No | $5,430.00 | $7,467.25 | 6.536% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | US Citizen | $4,176.33 | 1 | XXXXX | $2,819.76 | XXXXX | $234.98 | 47.194% | 47.194% | 47.194% | 01/06/2026 | 766 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $5,430.00 | 6.170% | $0.00 | 1.3 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 204.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111135 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,604.26 | 7.068% | XXXXX | XXXXX | 7.658% | No | No | Non-Employment Income | US Citizen | $2,019.49 | 1 | XXXXX | $4,101.96 | XXXXX | $341.83 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 799 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.320% | $52,500.00 | 3.4 | None | Yes | No | 7.658% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 270.19 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000342 | N/A | No | No | $62,906.00 | $8,078.92 | 7.014% | XXXXX | XXXXX | 7.000% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $41,679.09 | 1 | XXXXX | $12,579.00 | XXXXX | $1,048.25 | 37.408% | 31.132% | 37.408% | 12/20/2025 | 794 | No | No | [Borrower - |
Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - Trust Income]; Other - 2026 [Borrower - | Primary Income - Trust Income]; Other - 2026 [Borrower - | Primary Income - Trust Income]; Other - 2026 [Borrower - | Primary Income - Trust Income]; K-1 - 2024 [Borrower - | Primary Income - Trust Income]; Trust Agreement - 2001 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $62,906.00 | 6.100% | $0.00 | 2.4 | None | No | No | 7.000% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.6 | No | No | $3,424.25 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111193 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | Permanent Resident Alien | 1 | XXXXX | $1,626.00 | XXXXX | $135.50 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | 240 | XXXXX | XXXXX | 42.360% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111663 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | US Citizen | 1 | XXXXX | $656.04 | XXXXX | $54.67 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | XXXXX | XXXXX | 55.980% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 68.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110801 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,020.00 | $10,349.88 | 8.782% | XXXXX | XXXXX | 8.500% | No | No | Employed | US Citizen | $7,518.54 | 1 | XXXXX | $2,280.96 | XXXXX | $190.08 | 49.876% | 49.876% | 49.876% | 09/30/2025 | 717 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,020.00 | 6.190% | $500.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 31.270% | No | 0 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.53 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114192 | XXXXX | Non QM | Yes | No | $4,937.45 | $7,128.70 | 6.794% | XXXXX | XXXXX | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $4,748.31 | 1 | XXXXX | $464.64 | XXXXX | $38.72 | 39.210% | 39.210% | 39.210% | 01/22/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,937.45 | 6.140% | $105,000.00 | 3.8 | None | No | No | 6.500% | 3 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 42.560% | No | 24 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 50.78 | No | No | $1,045.00 | $3,253.14 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115402 | XXXXX | Non QM | Yes | No | $1,995.00 | $1,708.30 | 6.500% | XXXXX | XXXXX | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $19,014.42 | 1 | XXXXX | $2,732.04 | XXXXX | $227.67 | 34.449% | 31.126% | 38.620% | 01/26/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,995.00 | 6.140% | $0.00 | 1.0 | None | Yes | No | 6.500% | 1 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 52.68 | No | $0.00 | $18,173.50 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110828 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | US Citizen | 2 | XXXXX | $3,450.96 | XXXXX | $287.58 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.98 | 0.34 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 120.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112080 | XXXXX | Non QM | Yes | No | $3,136.88 | $5,405.00 | 6.814% | XXXXX | XXXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $6,070.69 | 1 | XXXXX | $2,760.00 | XXXXX | $230.00 | 48.764% | 48.764% | 48.764% | 01/15/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,136.88 | 6.060% | $0.00 | 1.0 | None | No | No | 6.750% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 87.630% | No | 25 | 24 | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 97.59 | Yes | No | $0.00 | $6,843.07 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113660 | XXXXX | Non QM | Yes | No | $14,140.00 | $22,660.70 | 6.030% | XXXXX | XXXXX | 5.875% | No | No | Employed | Employed | US Citizen | US Citizen | $15,355.74 | 1 | XXXXX | $3,890.88 | XXXXX | $324.24 | 42.428% | 42.428% | 42.428% | 01/26/2026 | 761 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $14,140.00 | 6.130% | $1,200,000.00 | 1.7 | None | Yes | No | 5.875% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 17.840% | No | 1 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 36.55 | Yes | No | $0.00 | $8,632.42 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116029 | XXXXX | Non QM | Yes | No | $4,235.00 | $11,853.40 | 6.199% | XXXXX | XXXXX | 6.125% | No | No | Employed | US Citizen | $9,796.36 | 1 | XXXXX | $2,489.76 | XXXXX | $207.48 | 49.980% | 49.980% | 49.980% | 01/12/2026 | 783 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,235.00 | 6.130% | $5,000.00 | 2.6 | None | Yes | No | 6.125% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 31.560% | No | 11 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.82 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114442 | XXXXX | Non QM | Yes | No | $25,288.50 | $29,197.18 | 7.702% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $8,636.21 | 1 | XXXXX | $3,044.04 | XXXXX | $253.67 | 38.985% | 38.985% | 38.985% | 01/06/2026 | 727 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $25,288.50 | 6.060% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 48.110% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112543 | XXXXX | Non QM | Yes | No | $1,794.00 | $3,946.64 | 7.164% | XXXXX | XXXXX | 7.125% | No | No | Non-Employment Income | US Citizen | $6,173.64 | 1 | XXXXX | $1,127.04 | XXXXX | $93.92 | 0.000% | 0.000% | 0.000% | 01/18/2026 | 808 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,794.00 | 6.060% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 192.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116198 | XXXXX | Non QM | Yes | No | $5,992.00 | $7,617.20 | 8.676% | XXXXX | XXXXX | 8.490% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $254,777.68 | 1 | XXXXX | $3,360.00 | XXXXX | $280.00 | 4.358% | 4.358% | 4.358% | 01/15/2026 | 725 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,992.00 | 6.130% | $0.00 | 2.0 | None | N/A | No | 8.490% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 55.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | 44.71 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113264 | XXXXX | Non QM | Yes | No | $8,116.65 | $9,030.62 | 6.221% | XXXXX | XXXXX | 6.125% | No | No | Employed | US Citizen | $7,647.88 | 1 | XXXXX | $4,155.96 | XXXXX | $346.33 | 50.248% | 39.702% | 50.248% | 02/02/2026 | 767 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $8,116.65 | 6.180% | $0.00 | 2.5 | None | No | No | 6.125% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110517 | XXXXX | Non QM | Yes | No | $7,618.73 | $0.00 | 6.614% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $9,009.38 | 1 | XXXXX | $5,818.08 | XXXXX | $484.84 | 48.518% | 48.518% | 48.518% | 01/07/2026 | 690 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,618.73 | 6.170% | $118,000.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 43.260% | No | 6 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118272 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.125% | No | No | US Citizen | 1 | XXXXX | $302.04 | XXXXX | $25.17 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | No | 148.04 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118273 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.125% | No | No | US Citizen | 1 | XXXXX | $309.96 | XXXXX | $25.83 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | No | 206.25 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117104 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $1,107.00 | XXXXX | $92.25 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.66 | 1.51 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | No | 97.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116465 | XXXXX | Non QM | Yes | No | $2,390.00 | $4,080.52 | 8.280% | XXXXX | XXXXX | 8.250% | No | No | Self-Employed | US Citizen | $15,407.29 | 1 | XXXXX | $3,089.04 | XXXXX | $257.42 | 48.614% | 48.614% | 48.614% | 01/26/2026 | 719 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,390.00 | 6.100% | $0.00 | 2.9 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107890 | XXXXX | Non QM | Yes | No | $0.00 | $250.00 | 6.875% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $2,364.61 | 1 | XXXXX | $2,103.96 | XXXXX | $175.33 | 48.570% | 48.570% | 48.570% | 12/23/2025 | 708 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | 6.250% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 48.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.82 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110336 | XXXXX | Non QM | Yes | No | $1,990.00 | $2,791.42 | 6.813% | XXXXX | XXXXX | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $39,431.23 | 1 | XXXXX | $1,263.00 | XXXXX | $105.25 | 25.428% | 25.428% | 25.428% | 01/12/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,990.00 | 6.170% | $0.00 | 2.1 | None | Yes | No | 6.750% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 124.79 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115328 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | US Citizen | 1 | XXXXX | $852.96 | XXXXX | $71.08 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 716 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.5 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 125.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116090 | XXXXX | Non QM | Yes | No | $2,590.00 | $4,124.70 | 6.413% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $10,429.94 | 1 | XXXXX | $2,211.96 | XXXXX | $184.33 | 45.106% | 45.106% | 45.106% | 01/08/2026 | 786 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,590.00 | 6.130% | $0.00 | 2.8 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105762 | XXXXX | Non QM | Yes | No | $5,852.00 | $7,418.30 | 6.711% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $17,176.67 | 1 | XXXXX | $2,749.56 | XXXXX | $229.13 | 49.045% | 49.045% | 49.045% | 12/03/2025 | 727 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $5,852.00 | 6.130% | $0.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 50.41 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113628 | XXXXX | Non QM | Yes | No | $5,396.04 | $5,878.69 | 6.402% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $21,044.30 | 1 | XXXXX | $1,515.00 | XXXXX | $126.25 | 40.871% | 40.871% | 40.871% | 01/06/2026 | 801 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,396.04 | 6.140% | $19,550.48 | 1.0 | None | Yes | No | 6.375% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 221.97 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112300 | XXXXX | Non QM | Yes | No | $2,945.00 | $6,435.23 | 6.941% | XXXXX | XXXXX | 6.875% | No | No | Not Employed | Employed | US Citizen | US Citizen | $12,923.54 | 1 | XXXXX | $2,372.04 | XXXXX | $197.67 | 44.321% | 44.321% | 44.321% | 12/29/2025 | 737 | Yes | No | [Coborrower(s) - |
Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,945.00 | 6.060% | $5,000.00 | 1.0 | None | No | No | 6.875% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 90.980% | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 108.76 | Yes | No | $8,003.61 | $15,207.18 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112521 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,020.00 | XXXXX | $85.00 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | XXXXX | 30.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 3.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000108684 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $3,894.00 | XXXXX | $324.50 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 799 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | XXXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116145 | XXXXX | N/A | No | No | XXXXX | XXXXX | 5.875% | No | No | US Citizen | 1 | XXXXX | $525.96 | XXXXX | $43.83 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 402.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119070 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.000% | No | No | US Citizen | 2 | XXXXX | $2,408.40 | XXXXX | $200.70 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.15 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112264 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $23,952.76 | $26,244.51 | 7.712% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $10,290.95 | 2 | XXXXX | $4,452.96 | XXXXX | $371.08 | 42.303% | 42.303% | 42.303% | 11/25/2025 | 744 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $23,952.76 | 6.060% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | 24.440% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000107026 | XXXXX | Non QM | Yes | No | $7,280.00 | $10,253.40 | 6.668% | XXXXX | XXXXX | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $10,508.46 | 1 | XXXXX | $2,404.20 | XXXXX | $200.35 | 34.158% | 34.158% | 34.158% | 02/18/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $7,280.00 | 6.270% | $3,500.00 | 1.0 | None | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 30.720% | No | 35 | 36 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.43 | Yes | No | $0.00 | $5,835.89 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112106 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $10,803.72 | XXXXX | $900.31 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.17 | 0.46 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | VE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117786 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,275.96 | XXXXX | $106.33 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 700 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.31 | XXXXX | XXXXX | 43.450% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 18.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116894 | XXXXX | Non QM | Yes | No | $3,958.00 | $7,674.88 | 6.223% | XXXXX | XXXXX | 6.125% | No | No | Self-Employed | Permanent Resident Alien | $6,014.27 | 1 | XXXXX | $1,626.96 | XXXXX | $135.58 | 44.743% | 44.743% | 44.743% | 12/16/2025 | 810 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,958.00 | 6.130% | $0.00 | 1.0 | None | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 45.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 9.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116596 | XXXXX | Non QM | Yes | No | $2,545.00 | $0.00 | 6.627% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $40,200.46 | 1 | XXXXX | $4,178.04 | XXXXX | $348.17 | 29.431% | 29.431% | 29.431% | 02/04/2026 | 820 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,545.00 | 6.130% | $0.00 | 1.3 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117520 | XXXXX | Non QM | Yes | No | $12,295.00 | $5,477.84 | 6.434% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $9,615.69 | 1 | XXXXX | $2,555.76 | XXXXX | $212.98 | 43.534% | 43.534% | 43.534% | 02/05/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $12,295.00 | 6.880% | $5,000.00 | None | N/A | No | 6.375% | 1 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 30.500% | No | 9 | 13 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 15.31 | No | No | $0.00 | $8,029.15 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110702 | XXXXX | Non QM | Yes | No | $2,465.00 | $5,125.46 | 6.927% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $6,736.02 | 1 | XXXXX | $2,391.96 | XXXXX | $199.33 | 45.465% | 45.465% | 45.465% | 12/30/2025 | 751 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.130% | $0.00 | 1.0 | None | Yes | No | 6.875% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 36.690% | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.77 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117226 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,122.96 | XXXXX | $93.58 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.7 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117381 | XXXXX | Non QM | Yes | No | $22,672.60 | $1,772.74 | 7.953% | XXXXX | XXXXX | 8.660% | No | No | Self-Employed | US Citizen | $35,634.15 | 1 | XXXXX | $895.56 | XXXXX | $74.63 | 46.789% | 47.045% | 46.789% | 12/22/2025 | 731 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $22,672.60 | 6.160% | $0.00 | 2.1 | None | N/A | No | 8.660% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 10.040% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.7 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112546 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $2,040.24 | XXXXX | $170.02 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 716 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114006 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | US Citizen | 2 | XXXXX | $3,258.00 | XXXXX | $271.50 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 684 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 71.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116933 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,464.02 | 6.139% | XXXXX | XXXXX | 6.125% | No | No | Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXXXX | XXXXX | $19,806.13 | 1 | XXXXX | $4,305.00 | XXXXX | $358.75 | 45.888% | 45.888% | 45.888% | 02/16/2026 | 770 | No | No | [Borrower - |
Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Non-Primary Income - Interest / Dividends]; Account Statements - 2025 [Borrower - | Non-Primary Income - Interest / Dividends]; Account Statements - 2025 [Borrower - | Non-Primary Income - Interest / Dividends]; Account Statements - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.130% | $0.00 | 1.0 | None | Yes | No | 6.125% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | No | 12.1 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111971 | XXXXX | Non QM | Yes | No | $12,820.00 | $13,302.59 | 6.800% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,073.02 | 1 | XXXXX | $4,337.40 | XXXXX | $361.45 | 48.959% | 48.959% | 48.959% | 01/06/2026 | 666 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $12,820.00 | 6.060% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 56.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112184 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | Permanent Resident Alien | 1 | XXXXX | $434.04 | XXXXX | $36.17 | 0.000% | 0.000% | 0.000% | 12/12/2025 | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 0.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112082 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 2 | XXXXX | $4,101.84 | XXXXX | $341.82 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 11.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.18 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112152 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $1,632.00 | XXXXX | $136.00 | 0.000% | 0.000% | 0.000% | 12/04/2025 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 45.390% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.98 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112159 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $18,621.82 | $20,081.52 | 7.565% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $64,764.33 | 1 | XXXXX | $4,291.20 | XXXXX | $357.60 | 8.753% | 8.753% | 8.753% | 12/01/2025 | 711 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $18,621.82 | 6.180% | $0.00 | 1.8 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112216 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,230.96 | XXXXX | $102.58 | 0.000% | 0.000% | 0.000% | 10/29/2025 | 729 | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.98 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112116 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | US Citizen | 2 | XXXXX | $1,919.04 | XXXXX | $159.92 | 0.000% | 0.000% | 0.000% | 12/12/2025 | 679 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112025 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $615.00 | XXXXX | $51.25 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 687 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 240 | XXXXX | XXXXX | 34.170% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.9 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112084 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $2,295.96 | XXXXX | $191.33 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 706 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.84 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112129 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | US Citizen | 3 | XXXXX | $2,426.04 | XXXXX | $202.17 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 787 | No | No | DSCR | 2 | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.85 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112182 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $4,844.04 | XXXXX | $403.67 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.43 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112161 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | Permanent Resident Alien | 1 | XXXXX | $2,208.00 | XXXXX | $184.00 | 0.000% | 0.000% | 0.000% | 11/25/2025 | 663 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.65 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118650 | XXXXX | Non QM | Yes | No | $42,975.00 | $55,615.75 | 6.159% | XXXXX | XXXXX | 6.000% | No | No | Self-Employed | US Citizen | $23,590.77 | 1 | XXXXX | $3,714.00 | XXXXX | $309.50 | 52.688% | 39.667% | 52.688% | 01/28/2026 | 801 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $42,975.00 | 5.990% | $0.00 | None | N/A | No | 6.000% | 2 | 2 | 0 | 3 | 2 | 12.00 | No | 240 | XXXXX | XXXXX | 59.660% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.22 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115473 | XXXXX | Non QM | Yes | No | $1,640.00 | $0.00 | 7.494% | XXXXX | XXXXX | 7.500% | No | No | Employed | Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $7,582.50 | 1 | XXXXX | $1,764.96 | XXXXX | $147.08 | 38.327% | 38.327% | 38.327% | 01/24/2026 | 696 | 792 | 814 | 810 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Plaid Payroll Report - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.990% | $8,944.87 | 1.4 | None | Yes | No | 7.500% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 73.210% | No | 25 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 81.52 | Yes | No | $1,628.00 | $4,260.34 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115858 | XXXXX | Non QM | Yes | No | $9,949.85 | $10,219.35 | 6.226% | XXXXX | XXXXX | 6.000% | No | No | Self-Employed | US Citizen | $9,066.19 | 1 | XXXXX | $1,451.04 | XXXXX | $120.92 | 31.317% | 31.317% | 31.317% | 01/09/2026 | 764 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $9,949.85 | 6.100% | $0.00 | 1.6 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111476 | XXXXX | Non QM | Yes | No | $9,132.80 | $11,346.22 | 6.549% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $27,021.47 | 1 | XXXXX | $6,940.08 | XXXXX | $578.34 | 24.800% | 24.800% | 24.800% | 01/20/2026 | 802 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $9,132.80 | 6.170% | $0.00 | 1.2 | None | Yes | No | 6.375% | 3 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 28.590% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.56 | No | No | $0.00 | $25,000.01 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114695 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.999% | No | No | US Citizen | 3 | XXXXX | $2,396.76 | XXXXX | $199.73 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | 360 | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 126.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119789 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,215.96 | XXXXX | $101.33 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 807 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 523.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116708 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,853.16 | 6.266% | XXXXX | XXXXX | 6.250% | No | No | Not Employed | Employed | US Citizen | US Citizen | $11,858.74 | 1 | XXXXX | $4,118.28 | XXXXX | $343.19 | 53.588% | 53.588% | 53.588% | 02/06/2026 | 784 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.130% | $6,500.00 | 1.0 | None | No | No | 6.250% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 25 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 166.85 | Yes | No | $0.00 | $25,551.17 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115346 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $2,156.04 | XXXXX | $179.67 | 0.000% | 0.000% | 0.000% | 12/04/2025 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.29 | XXXXX | XXXXX | 87.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 98.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116896 | XXXXX | Non QM | Yes | No | $1,640.00 | $14,039.80 | 6.155% | XXXXX | XXXXX | 6.125% | No | No | Employed | Employed | US Citizen | US Citizen | $22,370.75 | 1 | XXXXX | $7,739.76 | XXXXX | $644.98 | 38.915% | 38.915% | 38.915% | 02/10/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.130% | $1,000,000.00 | 2.3 | None | No | No | 6.125% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 41.050% | No | 18 | 14 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 54.76 | Yes | No | $0.00 | $11,250.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111581 | XXXXX | Non QM | Yes | No | $7,680.00 | $10,022.54 | 6.406% | XXXXX | XXXXX | 6.250% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $10,944.33 | 1 | XXXXX | $6,366.00 | XXXXX | $530.50 | 42.999% | 42.999% | 42.999% | 01/16/2026 | 805 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,680.00 | 6.170% | $0.00 | 3.5 | None | Yes | No | 6.250% | 1 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 29.910% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.49 | No | No | $3,973.50 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117641 | XXXXX | Non QM | Yes | No | $2,745.00 | $7,753.65 | 6.427% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | Permanent Resident Alien | $18,333.93 | 1 | XXXXX | $2,351.40 | XXXXX | $195.95 | 42.131% | 42.131% | 42.131% | 02/04/2026 | 749 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,745.00 | 6.100% | $0.00 | 2.1 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 14.00 | No | XXXXX | XXXXX | 47.560% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 35.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117117 | XXXXX | Non QM | Yes | No | $2,270.00 | $7,724.80 | 8.023% | XXXXX | XXXXX | 8.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $32,874.17 | 1 | XXXXX | $2,928.00 | XXXXX | $244.00 | 48.053% | 48.053% | 48.053% | 01/08/2026 | 739 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.100% | $0.00 | 4.4 | None | N/A | No | 8.000% | 3 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 26.530% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.29 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110901 | XXXXX | Non QM | Yes | No | $1,790.00 | $3,081.03 | 6.394% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $27,113.73 | 1 | XXXXX | $8,571.00 | XXXXX | $714.25 | 32.021% | 32.021% | 32.021% | 01/14/2026 | 793 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.170% | $0.00 | 1.4 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110906 | XXXXX | Non QM | Yes | No | $1,640.00 | $0.14 | 6.871% | XXXXX | XXXXX | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $21,932.36 | 1 | XXXXX | $2,177.04 | XXXXX | $181.42 | 0.000% | 0.000% | 0.000% | 01/22/2026 | 770 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.170% | $0.00 | 1.2 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 435.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120379 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $3,917.88 | XXXXX | $326.49 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 696 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.68 | 1.46 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.72 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115982 | XXXXX | Non QM | Yes | No | $1,640.00 | $8,629.58 | 6.643% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | US Citizen | $4,328.72 | 1 | XXXXX | $5,251.56 | XXXXX | $437.63 | 0.000% | 0.000% | 0.000% | 01/26/2026 | 813 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.130% | $0.00 | 2.5 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 204.9 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119032 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,964.04 | XXXXX | $163.67 | 0.000% | 0.000% | 0.000% | 12/02/2025 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 52.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116077 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $960.00 | XXXXX | $80.00 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.16 | 360 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118735 | XXXXX | Non QM | Yes | No | $49,296.00 | $50,972.78 | 7.254% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | US Citizen | $133,157.61 | 1 | XXXXX | $1,802.04 | XXXXX | $150.17 | 16.540% | 16.540% | 16.540% | 01/22/2026 | 775 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $49,296.00 | 6.130% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113339 | XXXXX | Non QM | Yes | No | $4,549.81 | $5,404.96 | 6.810% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $8,082.92 | 1 | XXXXX | $954.00 | XXXXX | $79.50 | 38.521% | 38.521% | 38.521% | 01/11/2026 | 799 | No | No | [Borrower - |
Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $4,549.81 | 6.140% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 3 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 23.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.09 | No | No | $8,803.51 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116076 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $672.96 | XXXXX | $56.08 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | 360 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119003 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.000% | No | No | Permanent Resident Alien | 1 | XXXXX | $1,097.04 | XXXXX | $91.42 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 729 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.94 | Yes | 15.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112969 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,300.00 | $10,031.69 | 7.801% | XXXXX | XXXXX | 7.625% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $9,311.43 | 1 | XXXXX | $2,352.96 | XXXXX | $196.08 | 42.875% | 42.875% | 42.875% | 11/03/2025 | 759 | No | No | [Borrower - |
Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,300.00 | 6.220% | $0.00 | 2.7 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 5.860% | No | 12 | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.09 | Yes | $0.00 | $7,800.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115532 | XXXXX | N/A | No | No | XXXXX | XXXXX | 5.875% | No | No | US Citizen | 1 | XXXXX | $3,197.04 | XXXXX | $266.42 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXXX | XXXXX | 57.510% | No | Yes | Final | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111651 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,302.56 | $9,953.06 | 8.111% | XXXXX | XXXXX | 7.875% | No | No | Employed | US Citizen | $7,355.25 | 1 | XXXXX | $506.76 | XXXXX | $42.23 | 37.426% | 37.426% | 37.426% | 10/17/2025 | 786 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,302.56 | 6.190% | $0.00 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 43.670% | No | 35 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.42 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117251 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 3 | XXXXX | $2,391.96 | XXXXX | $199.33 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.09 | 0.48 | XXXXX | XXXXX | 65.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 43.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117703 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $15,500.00 | $22,603.08 | 8.576% | XXXXX | XXXXX | 8.250% | No | No | Employed | Employed | US Citizen | US Citizen | $18,084.67 | 1 | XXXXX | $2,808.00 | XXXXX | $234.00 | 27.661% | 27.661% | 27.661% | 11/16/2025 | 704 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $15,500.00 | 6.270% | $0.00 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 29.900% | No | 12 | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.3 | Yes | $0.00 | $12,500.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119750 | XXXXX | Non QM | Yes | No | $8,520.00 | $18,806.77 | 6.469% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | US Citizen | $31,459.42 | 1 | XXXXX | $8,439.36 | XXXXX | $703.28 | 48.490% | 48.490% | 48.490% | 02/11/2026 | 759 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $8,520.00 | 5.980% | $20,000.00 | 1.4 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 50.150% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.56 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118716 | XXXXX | Non QM | Yes | No | $6,606.00 | $8,325.68 | 7.105% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $8,477.40 | 1 | XXXXX | $5,659.92 | XXXXX | $471.66 | 35.014% | 35.014% | 35.014% | 02/06/2026 | 774 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $6,606.00 | 6.130% | $0.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 2.820% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114272 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 2 | XXXXX | $2,882.04 | XXXXX | $240.17 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 719 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXXX | XXXXX | 39.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115450 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,230.24 | XXXXX | $102.52 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.4 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXXX | XXXXX | 47.900% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AO | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113696 | XXXXX | Non QM | Yes | No | $1,719.00 | $5,242.74 | 7.168% | XXXXX | XXXXX | 7.125% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $9,605.40 | 1 | XXXXX | $666.96 | XXXXX | $55.58 | 48.881% | 48.881% | 48.881% | 01/02/2026 | 773 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Pension]; Paystubs - 2025 |
[Borrower]; Transcripts (1040) - No Results Returned -
2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,719.00 | 6.140% | $10,000.00 | 1.0 | None | N/A | No | 7.125% | 2 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 30.070% | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.87 | No | No | $6,915.22 | $0.00 | No | No | No | No | 3 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119787 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | US Citizen | 1 | XXXXX | $708.00 | XXXXX | $59.00 | 0.000% | 0.000% | 0.000% | 02/07/2026 | 716 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXXX | XXXXX | 38.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116569 | XXXXX | Non QM | Yes | No | $7,883.40 | $9,527.74 | 6.460% | XXXXX | XXXXX | 6.375% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $8,626.92 | 1 | XXXXX | $848.88 | XXXXX | $70.74 | 51.283% | 51.283% | 51.283% | 01/09/2026 | 799 | No | No | [Borrower - |
Primary Income - Projected Income]; Employer Letter - 2026 [Borrower - | Primary Income - Projected Income]; Employer Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,883.40 | 6.130% | $0.00 | 2.2 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | No | 29.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110927 | XXXXX | Non QM | Yes | No | $2,270.00 | $3,928.03 | 6.265% | XXXXX | XXXXX | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $25,455.69 | 1 | XXXXX | $3,794.04 | XXXXX | $316.17 | 40.329% | 40.329% | 40.329% | 01/14/2026 | 788 | Yes | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.170% | $0.00 | 1.8 | None | No | No | 6.250% | 2 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | 60 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.22 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121240 | XXXXX | N/A | No | No | $4,452.50 | $5,246.69 | 7.561% | XXXXX | XXXXX | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $10,412.91 | 2 | XXXXX | $1,806.00 | XXXXX | $150.50 | 43.559% | 43.559% | 43.559% | 11/26/2025 | 781 | No | No | [Borrower - |
Primary Income - Wages]; D1C Income Verification Report - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; D1C Income Verification Report - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,452.50 | 6.190% | $0.00 | None | No | No | 7.375% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | No | 35 | 34 | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 167.43 | No | No | $0.00 | $8,560.08 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120919 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | XXXXX | $5,381.28 | XXXXX | $448.44 | 0.000% | 0.000% | 0.000% | 12/11/2025 | 806 | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 5.47 | 0.18 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 149.98 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111273 | XXXXX | Non QM | Yes | No | $0.00 | $1,930.30 | 6.637% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $14,530.63 | 1 | XXXXX | $6,327.12 | XXXXX | $527.26 | 27.347% | 27.347% | 27.347% | 02/18/2026 | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | 6.170% | $0.00 | 2.5 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118429 | XXXXX | Non QM | Yes | No | $1,790.00 | $0.00 | 6.092% | XXXXX | XXXXX | 6.125% | No | No | Non-Employment Income | US Citizen | $11,541.34 | 1 | XXXXX | $2,406.12 | XXXXX | $200.51 | 39.014% | 39.014% | 39.014% | 02/09/2026 | 806 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 5.990% | $25,000.00 | 1.4 | None | No | No | 6.125% | 0 | 0 | 0 | 3 | 2 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 450.23 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000111672 | XXXXX | Non QM | Yes | No | $18,575.00 | $22,536.91 | 7.103% | XXXXX | XXXXX | 6.783% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXXX | $7,661.42 | 1 | XXXXX | $2,369.04 | XXXXX | $197.42 | 43.246% | 43.246% | 43.246% | 01/16/2026 | 745 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $18,575.00 | 6.060% | $0.00 | None | N/A | No | 6.783% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 24.250% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 6.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115652 | XXXXX | Non QM | Yes | No | $11,210.50 | $16,019.00 | 6.481% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $15,878.37 | 1 | XXXXX | $3,641.04 | XXXXX | $303.42 | 38.853% | 38.853% | 38.853% | 02/05/2026 | 767 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,210.50 | 6.100% | $0.00 | 1.2 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Closed End | No | XXXXX | XXXXX | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000473 | Non QM | Yes | No | $6,575.00 | $10,743.77 | 6.701% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | US Citizen | $38,915.88 | 1 | XXXXX | $5,814.96 | XXXXX | $484.58 | 35.957% | 35.957% | 35.957% | 02/09/2026 | 755 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Other - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Cancelled Checks - 2025 [Borrower - | Non-Primary Income - Note Receivable]; Note - 2022 [Borrower - | Non-Primary Income - Note Receivable]; Other - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Cancelled Checks - 2025 [Borrower - | Non-Primary Income - Note Receivable]; Note - 2022 [Borrower - | Non-Primary Income - Note Receivable]; Other - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Note - 2022 [Borrower - | Non-Primary Income - Note Receivable]; Other - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Cancelled Checks - 2025 [Borrower - | Non-Primary Income - Note Receivable]; Note - 2025 [Borrower - | Non-Primary Income - Note Receivable]; Other - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Note - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 1 | 0 | 0 | No | XXXXX | $6,575.00 | 5.980% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 205.65 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116744 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.000% | No | No | US Citizen | 2 | XXXXX | $1,590.00 | XXXXX | $132.50 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 339.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116912 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 2 | XXXXX | $3,714.96 | XXXXX | $309.58 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117895 | XXXXX | Non QM | Yes | No | $9,565.00 | $18,534.17 | 7.782% | XXXXX | XXXXX | 8.658% | No | No | Self-Employed | US Citizen | $36,501.92 | 1 | XXXXX | $1,902.00 | XXXXX | $158.50 | 41.360% | 40.472% | 41.360% | 12/17/2025 | 717 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $9,565.00 | 6.160% | $0.00 | 1.0 | None | N/A | No | 8.658% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.45 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120350 | XXXXX | N/A | No | No | $1,640.00 | $7,140.80 | 7.030% | XXXXX | XXXXX | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $16,572.60 | 1 | XXXXX | $2,430.96 | XXXXX | $202.58 | 40.351% | 40.351% | 40.351% | 02/26/2026 | 795 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $5,136.00 | 1.7 | None | Yes | No | 7.000% | 3 | 3 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 35.840% | No | 26 | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 55.02 | No | No | $0.00 | $15,700.36 | No | No | No | No | 4 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115533 | XXXXX | Non QM | Yes | No | $17,770.00 | $7,072.71 | 6.173% | XXXXX | XXXXX | 6.125% | No | No | Employed | US Citizen | $10,487.36 | 1 | XXXXX | $9,320.04 | XXXXX | $776.67 | 48.983% | 48.983% | 48.983% | 01/09/2026 | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $17,770.00 | 6.100% | $33,500.00 | 3.5 | None | N/A | No | 6.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 34.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121213 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.000% | No | No | US Citizen | 1 | XXXXX | $2,212.32 | XXXXX | $184.36 | 0.000% | 0.000% | 0.000% | 02/22/2026 | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | 360 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120262 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $3,117.60 | XXXXX | $259.80 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.51 | 1.96 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 82.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120568 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $1,677.96 | XXXXX | $139.83 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.67 | 1.49 | XXXXX | XXXXX | 37.080% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114539 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,338.74 | 6.538% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | US Citizen | $21,727.91 | 1 | XXXXX | $1,007.16 | XXXXX | $83.93 | 27.822% | 27.822% | 27.822% | 03/11/2026 | 799 | No | No | [Borrower - |
Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.100% | $2,748.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 169.38 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115022 | XXXXX | Non QM | Yes | No | $4,293.94 | $3,149.09 | 6.257% | XXXXX | XXXXX | 6.250% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $18,864.94 | 1 | XXXXX | $1,188.96 | XXXXX | $99.08 | 24.178% | 24.178% | 24.178% | 01/30/2026 | 803 | Yes | No | [Coborrower(s) - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $4,293.94 | 6.100% | $10,000.00 | 1.3 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 394.22 | No | No | $24,880.67 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118477 | XXXXX | Non QM | Yes | No | $3,570.00 | $6,905.76 | 6.260% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $38,133.82 | 1 | XXXXX | $7,925.04 | XXXXX | $660.42 | 42.240% | 42.240% | 42.240% | 02/10/2026 | 794 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $3,570.00 | 5.990% | $30,000.00 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 22.690% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.65 | Yes | No | $33,010.42 | $0.00 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000110012 | XXXXX | Non QM | Yes | No | $2,072.15 | $4,633.65 | 6.536% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | US Citizen | $9,918.05 | 1 | XXXXX | $17,085.96 | XXXXX | $1,423.83 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 797 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $2,072.15 | 6.180% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 216.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118786 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | 0 | US Citizen | US Citizen | 4 | XXXXX | $2,084.04 | XXXXX | $173.67 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 765 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116542 | XXXXX | Non QM | Yes | No | $1,640.00 | $9,341.98 | 6.423% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $29,543.93 | 1 | XXXXX | $6,444.00 | XXXXX | $537.00 | 36.692% | 36.692% | 36.692% | 02/16/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.130% | $0.00 | 1.6 | None | No | No | 6.375% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 161.47 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118809 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 4 | XXXXX | $1,737.00 | XXXXX | $144.75 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 765 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 98.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119851 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $956.04 | XXXXX | $79.67 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | 360 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 52.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120874 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $1,385.04 | XXXXX | $115.42 | 0.000% | 0.000% | 0.000% | 02/22/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | 20.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120787 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $1,204.08 | XXXXX | $100.34 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXXX | XXXXX | 23.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117398 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $831.00 | XXXXX | $69.25 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 228.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120937 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.125% | No | No | US Citizen | 1 | XXXXX | $2,397.96 | XXXXX | $199.83 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.18 | XXXXX | XXXXX | 95.700% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 90.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116565 | XXXXX | Non QM | Yes | No | $2,320.00 | $3,807.43 | 8.559% | XXXXX | XXXXX | 8.375% | No | No | Self-Employed | US Citizen | $8,568.64 | 1 | XXXXX | $2,037.00 | XXXXX | $169.75 | 47.079% | 47.079% | 47.079% | 01/30/2026 | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,320.00 | 6.130% | $0.00 | 1.0 | None | No | No | 8.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.82 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119677 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $2,284.32 | XXXXX | $190.36 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.26 | XXXXX | XXXXX | 47.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120362 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.990% | No | No | US Citizen | 1 | XXXXX | $4,122.96 | XXXXX | $343.58 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.23 | XXXXX | XXXXX | 57.990% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118943 | XXXXX | N/A | No | No | XXXXX | XXXXX | 5.750% | No | No | US Citizen | 1 | XXXXX | $1,061.28 | XXXXX | $88.44 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116639 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $346.20 | XXXXX | $28.85 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 53.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 30.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115560 | XXXXX | N/A | No | No | $2,628.22 | $4,521.84 | 7.701% | XXXXX | XXXXX | 7.625% | No | No | Employed | US Citizen | $6,604.24 | 1 | XXXXX | $4,766.16 | XXXXX | $397.18 | 41.907% | 41.907% | 41.907% | 01/30/2026 | 759 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,628.22 | 6.100% | $157,000.00 | 1.0 | None | Yes | No | 7.625% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 82.830% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 104.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120052 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $1,195.20 | XXXXX | $99.60 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121392 | XXXXX | Non QM | Yes | No | $1,960.45 | $3,890.23 | 8.869% | XXXXX | XXXXX | 8.750% | No | No | Self-Employed | US Citizen | $41,251.29 | 1 | XXXXX | $1,778.04 | XXXXX | $148.17 | 19.495% | 19.495% | 19.495% | 02/17/2026 | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,960.45 | 6.020% | $3,000.00 | 1.0 | None | No | No | 8.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 11.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.27 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119515 | XXXXX | Non QM | Yes | No | $6,640.00 | $1,668.91 | 6.281% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | US Citizen | $9,605.67 | 1 | XXXXX | $2,291.04 | XXXXX | $190.92 | 46.478% | 45.157% | 46.478% | 02/25/2026 | 797 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $6,640.00 | 6.120% | $12,000.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 14.00 | No | 360 | XXXXX | XXXXX | 11.030% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 62.76 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000449 | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $2,394.00 | XXXXX | $199.50 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.71 | 1.41 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120687 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 2 | XXXXX | $2,480.04 | XXXXX | $206.67 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 691 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122754 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $7,623.00 | XXXXX | $635.25 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 735 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.22 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114864 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.215% | No | No | US Citizen | 1 | XXXXX | $3,674.04 | XXXXX | $306.17 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 672 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | N/A | No | 7.215% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 170.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121043 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,491.00 | XXXXX | $124.25 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | 360 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122134 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 3 | XXXXX | $3,981.00 | XXXXX | $331.75 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 784 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 220.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119024 | XXXXX | Non QM | Yes | No | $2,270.00 | $8,916.04 | 6.160% | XXXXX | XXXXX | 6.125% | No | No | Employed | Employed | US Citizen | US Citizen | $11,933.00 | 1 | XXXXX | $3,705.84 | XXXXX | $308.82 | 43.792% | 43.792% | 43.792% | 02/06/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 5.990% | $20,000.00 | 1.0 | None | Yes | No | 6.125% | 1 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 33.360% | No | 13 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.72 | Yes | No | $0.00 | $6,647.65 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121396 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | US Citizen | 1 | XXXXX | $1,778.04 | XXXXX | $148.17 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 707 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | XXXXX | 30.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120384 | XXXXX | Non QM | Yes | No | $7,610.00 | $13,020.02 | 6.359% | XXXXX | XXXXX | 6.250% | No | No | Employed | US Citizen | $10,876.90 | 1 | XXXXX | $5,052.72 | XXXXX | $421.06 | 46.304% | 46.304% | 46.304% | 03/03/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,610.00 | 5.980% | $0.00 | 1.1 | None | Yes | No | 6.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 57.790% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 55.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114031 | XXXXX | N/A | Yes | No | No | $26,885.00 | $11,144.77 | 8.277% | XXXXX | XXXXX | 7.999% | No | No | Not Employed | Self-Employed | US Citizen | $298,718.37 | 1 | XXXXX | $1,038.96 | XXXXX | $86.58 | 10.956% | 10.956% | 10.956% | 10/31/2025 | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $26,885.00 | 6.100% | $0.00 | 3.9 | None | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 105.25 | No | No | $335,472.12 | $0.00 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114132 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $15,025.00 | $13,998.83 | 7.428% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $63,148.09 | 1 | XXXXX | $5,114.04 | XXXXX | $426.17 | 10.236% | 10.236% | 10.236% | 12/22/2025 | 740 | No | Yes | 12 | Personal, Business | 100.000% | 60.000% | 40.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $15,025.00 | 6.100% | $24,000.00 | 2.8 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | XXXXX | XXXXX | 1.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.9 | No | $28,139.64 | $0.00 | No | No | No | No | 1 | 360 | AH | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114065 | XXXXX | N/A | Yes | No | No | $14,907.07 | $7,902.91 | 7.607% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | Permanent Resident Alien | $11,217.53 | 1 | XXXXX | $1,356.96 | XXXXX | $113.08 | 40.196% | 40.196% | 40.196% | 01/05/2026 | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $14,907.07 | 6.060% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 0.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 9.95 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114123 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,655.00 | $679.05 | 7.014% | XXXXX | XXXXX | 6.999% | No | No | Self-Employed | US Citizen | $3,281.23 | 1 | XXXXX | $609.12 | XXXXX | $50.76 | 47.343% | 47.343% | 47.343% | 01/16/2026 | 747 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $6,655.00 | 6.100% | $17,500.00 | 3.0 | None | No | No | 6.999% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 31.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.89 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114054 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $4,465.00 | $6,589.18 | 7.673% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $4,639.77 | 1 | XXXXX | $867.00 | XXXXX | $72.25 | 41.546% | 41.546% | 41.546% | 12/08/2025 | 705 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $4,465.00 | 6.100% | $0.00 | 3.3 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 52.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114147 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $30,070.00 | $33,914.17 | 7.611% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $26,551.10 | 1 | XXXXX | $10,890.96 | XXXXX | $907.58 | 34.663% | 34.663% | 34.663% | 12/23/2025 | 692 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 1 | 0 | 0 | 0 | XXXXX | $30,070.00 | 6.130% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 29.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112251 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $3,765.96 | XXXXX | $313.83 | 0.000% | 0.000% | 0.000% | 10/20/2025 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.68 | 1.46 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.47 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112135 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | Non-Employment Income | 0 | US Citizen | US Citizen | 1 | XXXXX | $4,789.32 | XXXXX | $399.11 | 0.000% | 0.000% | 0.000% | 10/27/2025 | 806 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 |
DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | 60 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 157.89 | Yes | 18.000% | $3,473.77 | $0.00 | No | No | No | No | 1 | 240 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114126 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $5,028.96 | XXXXX | $419.08 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.53 | 1.87 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.53 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118365 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $1,436.52 | XXXXX | $119.71 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 146.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121041 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $2,378.52 | XXXXX | $198.21 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | 360 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 80.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119847 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $1,890.00 | XXXXX | $157.50 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.39 | XXXXX | XXXXX | 17.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121029 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,745.76 | XXXXX | $145.48 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | 360 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120282 | XXXXX | Non QM | Yes | No | $7,152.70 | $8,728.14 | 6.507% | XXXXX | XXXXX | 6.375% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $15,118.97 | 1 | XXXXX | $2,172.00 | XXXXX | $181.00 | 46.165% | 46.165% | 46.165% | 02/11/2026 | 751 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $7,152.70 | 5.980% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | No | $28,084.08 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119498 | XXXXX | Non QM | Yes | No | $5,959.36 | $13,036.95 | 6.470% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $8,800.48 | 1 | XXXXX | $3,657.72 | XXXXX | $304.81 | 49.712% | 49.712% | 49.712% | 02/24/2026 | 734 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,959.36 | 5.980% | $0.00 | 2.3 | None | N/A | No | 6.375% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 59.240% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 103.12 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119326 | XXXXX | Non QM | Yes | No | $11,245.00 | $16,610.15 | 6.919% | XXXXX | XXXXX | 7.658% | No | No | Employed | Permanent Resident Alien | $10,207.23 | 1 | XXXXX | $2,233.80 | XXXXX | $186.15 | 43.293% | 37.892% | 43.293% | 02/20/2026 | 810 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,245.00 | 5.930% | $0.00 | 2.6 | None | No | No | 7.658% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.890% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 2.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112816 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,028.70 | 6.398% | XXXXX | XXXXX | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $79,095.06 | 1 | XXXXX | $5,140.80 | XXXXX | $428.40 | 23.173% | 23.173% | 23.173% | 01/21/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.140% | $0.00 | 1.3 | None | Yes | No | 6.375% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 42.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120544 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,570.08 | XXXXX | $130.84 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119608 | XXXXX | Non QM | Yes | No | $1,740.00 | $5,223.40 | 6.400% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | US Citizen | $2,672.64 | 1 | XXXXX | $1,236.00 | XXXXX | $103.00 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 754 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 5.980% | $0.00 | 1.4 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 197.96 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120278 | XXXXX | Non QM | Yes | No | $1,740.00 | $7,093.14 | 7.232% | XXXXX | XXXXX | 7.658% | No | No | Non-Employment Income | US Citizen | $4,199.47 | 1 | XXXXX | $2,339.04 | XXXXX | $194.92 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 802 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.150% | $0.00 | 4.2 | None | No | No | 7.658% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 255.69 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118850 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 2 | XXXXX | $3,800.04 | XXXXX | $316.67 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 660 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 156.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119248 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | US Citizen | 1 | XXXXX | $4,917.96 | XXXXX | $409.83 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 813 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | 40.130% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121186 | XXXXX | Non QM | Yes | No | $2,485.00 | $7,259.68 | 7.168% | XXXXX | XXXXX | 7.672% | No | No | Employed | US Citizen | $8,000.87 | 1 | XXXXX | $245.04 | XXXXX | $20.42 | 40.997% | 42.043% | 40.997% | 02/25/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,485.00 | 6.150% | $0.00 | 1.9 | None | N/A | No | 7.672% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 47.850% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118652 | XXXXX | Non QM | Yes | No | $10,075.40 | $17,462.68 | 6.480% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,202.90 | 1 | XXXXX | $5,478.00 | XXXXX | $456.50 | 44.297% | 44.297% | 44.297% | 02/25/2026 | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $10,075.40 | 5.990% | $3,500.00 | 1.5 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 41.610% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 31.73 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120997 | XXXXX | Non QM | Yes | No | $5,820.00 | $8,449.25 | 6.323% | XXXXX | XXXXX | 6.000% | No | No | Employed | US Citizen | $2,453.07 | 1 | XXXXX | $1,722.60 | XXXXX | $143.55 | 49.233% | 49.233% | 49.233% | 03/20/2026 | 773 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,820.00 | 6.020% | $14,237.00 | 1.0 | None | Yes | No | 6.000% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 55.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121974 | XXXXX | Non QM | Yes | No | $48,395.00 | $57,531.71 | 7.726% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $37,623.06 | 1 | XXXXX | $2,300.76 | XXXXX | $191.73 | 43.211% | 36.886% | 43.211% | 03/10/2026 | 800 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $48,395.00 | 6.120% | $4,750.00 | 4.5 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 14.00 | No | 240 | XXXXX | XXXXX | 45.320% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 34.5 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118224 | XXXXX | Non QM | Yes | No | $6,018.87 | $8,887.23 | 7.060% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $2,880.31 | 1 | XXXXX | $3,834.36 | XXXXX | $319.53 | 46.661% | 46.661% | 46.661% | 02/09/2026 | 816 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | No | XXXXX | $6,018.87 | 5.990% | $60,000.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 4 | 0 | No | XXXXX | XXXXX | 22.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.91 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120569 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | US Citizen | 1 | XXXXX | $1,972.92 | XXXXX | $164.41 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.63 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 92.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123286 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | 0 | US Citizen | 1 | XXXXX | $4,122.72 | XXXXX | $343.56 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 796 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.23 | 0.45 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.4 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118779 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,789.27 | 6.387% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $20,169.63 | 1 | XXXXX | $1,562.76 | XXXXX | $130.23 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 803 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.990% | $0.00 | 1.5 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 247.99 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120202 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,574.47 | 6.421% | XXXXX | XXXXX | 6.375% | No | No | Not Employed | Employed | US Citizen | US Citizen | $10,564.15 | 1 | XXXXX | $3,171.60 | XXXXX | $264.30 | 47.886% | 47.886% | 47.886% | 03/05/2026 | 802 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.980% | $17,678.48 | 1.0 | None | No | No | 6.375% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 31.070% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.76 | Yes | No | $7,883.31 | $12,387.93 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119794 | XXXXX | Non QM | Yes | No | $2,448.00 | $4,133.42 | 6.320% | XXXXX | XXXXX | 6.250% | No | No | Employed | US Citizen | $5,179.26 | 1 | XXXXX | $728.04 | XXXXX | $60.67 | 44.088% | 44.088% | 44.088% | 11/29/2025 | 808 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,448.00 | 5.980% | $0.00 | 1.2 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 64.650% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119726 | XXXXX | Non QM | Yes | No | $4,030.00 | $8,625.56 | 6.331% | XXXXX | XXXXX | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $15,510.17 | 2 | XXXXX | $3,363.72 | XXXXX | $280.31 | 42.225% | 42.225% | 42.225% | 02/26/2026 | 780 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,030.00 | 5.980% | $33,750.00 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 47.130% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.99 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120904 | XXXXX | N/A | No | No | $3,790.00 | $14,239.64 | 8.181% | XXXXX | XXXXX | 8.125% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $29,305.61 | 1 | XXXXX | $2,480.04 | XXXXX | $206.67 | 41.389% | 41.389% | 41.389% | 02/20/2026 | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,790.00 | 6.020% | $0.00 | 1.6 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 35.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.58 | No | No | $50,000.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120474 | XXXXX | Non QM | Yes | No | $1,740.00 | $7,548.17 | 6.399% | XXXXX | XXXXX | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $19,710.87 | 1 | XXXXX | $3,620.04 | XXXXX | $301.67 | 37.753% | 37.753% | 37.753% | 03/08/2026 | 819 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.020% | $0.00 | 4.4 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 41.740% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 36.36 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120339 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $870.00 | XXXXX | $72.50 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | 240 | XXXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116664 | XXXXX | Non QM | Yes | No | $5,970.00 | $13,618.73 | 6.363% | XXXXX | XXXXX | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $9,923.56 | 1 | XXXXX | $2,181.96 | XXXXX | $181.83 | 45.561% | 45.561% | 45.561% | 01/18/2026 | 798 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,970.00 | 6.130% | $170,000.00 | 1.1 | None | Yes | No | 6.250% | 2 | 2 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 23.340% | No | 24 | 16 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.52 | No | $0.00 | $7,812.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122384 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.879% | No | No | US Citizen | US Citizen | 1 | XXXXX | $4,856.88 | XXXXX | $404.74 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.879% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.57 | 1.75 | XXXXX | XXXXX | 1.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118326 | XXXXX | Non QM | Yes | No | $2,976.00 | $5,295.75 | 7.414% | XXXXX | XXXXX | 7.658% | No | No | Employed | Employed | US Citizen | US Citizen | $10,475.50 | 1 | XXXXX | $5,587.20 | XXXXX | $465.60 | 49.479% | 48.309% | 49.479% | 02/23/2026 | 725 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,976.00 | 5.920% | $0.00 | 1.9 | None | Yes | No | 7.658% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 27.470% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.73 | No | $0.00 | $8,234.98 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120123 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.990% | No | No | US Citizen | 1 | XXXXX | $1,343.04 | XXXXX | $111.92 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 81.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121036 | XXXXX | N/A | No | No | $5,920.00 | $5,462.01 | 7.491% | XXXXX | XXXXX | 7.375% | No | No | Not Employed | Not Employed | Employed | 0.64 | Permanent Resident Alien | Non-Permanent Resident Alien | XXXXX | $21,663.69 | 3 | XXXXX | $4,487.04 | XXXXX | $373.92 | 27.788% | 27.788% | 27.788% | 03/11/2026 | 744 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; D1C Income Verification Report - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,920.00 | 6.020% | $7,000.00 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 59.900% | No | 5 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | VISA | 58.18 | No | No | $0.00 | $30,000.01 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120479 | XXXXX | N/A | No | No | XXXXX | XXXXX | 5.875% | No | No | US Citizen | 1 | XXXXX | $1,805.04 | XXXXX | $150.42 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121517 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | 0 | US Citizen | Permanent Resident Alien | 1 | XXXXX | $1,460.04 | XXXXX | $121.67 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 783 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.6 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 443.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119496 | XXXXX | Non QM | Yes | No | $5,123.55 | $7,155.36 | 6.291% | XXXXX | XXXXX | 6.250% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $14,864.27 | 1 | XXXXX | $2,879.40 | XXXXX | $239.95 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 824 | Yes | No | [Coborrower(s) - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $5,123.55 | 5.980% | $0.00 | 1.6 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Trustee | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 221.56 | No | $24,612.33 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113892 | XXXXX | Non QM | Yes | No | $17,914.46 | $6,116.38 | 7.632% | XXXXX | XXXXX | 7.499% | No | No | Self-Employed | US Citizen | $4,718.96 | 1 | XXXXX | $2,279.04 | XXXXX | $189.92 | 47.991% | 47.991% | 47.991% | 01/15/2026 | 668 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $17,914.46 | 6.140% | $0.00 | 1.1 | None | N/A | No | 7.499% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119665 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,179.00 | XXXXX | $98.25 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 680 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121700 | XXXXX | Non QM | Yes | No | $13,440.25 | $17,613.85 | 6.559% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | US Citizen | $27,431.84 | 1 | XXXXX | $1,223.64 | XXXXX | $101.97 | 31.249% | 31.249% | 31.249% | 02/26/2026 | 774 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $13,440.25 | 6.020% | $8,000.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 5.660% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.68 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121627 | XXXXX | Non QM | Yes | No | $76,595.00 | $8,380.19 | 7.264% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $79,553.33 | 1 | XXXXX | $4,958.04 | XXXXX | $413.17 | 29.638% | 29.638% | 29.638% | 03/03/2026 | 752 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $76,595.00 | 6.020% | $15,000.00 | 4.1 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 13.00 | No | XXXXX | XXXXX | 44.170% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.96 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121398 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $792.24 | XXXXX | $66.02 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.45 | 2.22 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115269 | XXXXX | Non QM | Yes | No | $4,123.28 | $7,564.61 | 6.675% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | US Citizen | $13,482.19 | 1 | XXXXX | $5,602.92 | XXXXX | $466.91 | 35.782% | 35.782% | 35.782% | 02/03/2026 | 782 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $4,123.28 | 6.100% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 180.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119575 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.000% | No | No | US Citizen | 1 | XXXXX | $278.04 | XXXXX | $23.17 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 743 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109136 | XXXXX | Non QM | Yes | No | $0.00 | $432.81 | 7.757% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,241.67 | 1 | XXXXX | $5,220.36 | XXXXX | $435.03 | 52.400% | 52.400% | 52.400% | 01/05/2026 | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 44.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | 6.180% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114133 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.473% | No | No | US Citizen | 4 | XXXXX | $3,554.04 | XXXXX | $296.17 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.473% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | 41.360% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121402 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $1,617.96 | XXXXX | $134.83 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.3 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | 360 | XXXXX | XXXXX | 46.280% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120771 | XXXXX | N/A | No | No | $5,445.20 | $6,506.21 | 7.260% | XXXXX | XXXXX | 7.000% | No | No | Not Employed | Employed | US Citizen | $9,145.21 | 1 | XXXXX | $2,303.04 | XXXXX | $191.92 | 41.626% | 41.626% | 41.626% | 01/15/2026 | 798 | No | No | [Coborrower(s) - |
Primary Income - Wages]; D1C Income Verification Report - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,445.20 | 6.020% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 25 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 293.63 | No | $0.00 | $15,666.67 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118252 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $621.00 | XXXXX | $51.75 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118870 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,061.04 | XXXXX | $88.42 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 818 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | XXXXX | 52.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117085 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,143.98 | 6.550% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $56,222.63 | 1 | XXXXX | $1,728.96 | XXXXX | $144.08 | 14.983% | 14.983% | 14.983% | 03/05/2026 | 793 | No | No | [Borrower - |
Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.100% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 232.89 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117941 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,718.88 | 6.761% | XXXXX | XXXXX | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,352.17 | 1 | XXXXX | $4,762.44 | XXXXX | $396.87 | 54.994% | 54.994% | 54.994% | 03/03/2026 | 796 | No | No | [Borrower - |
Primary Income - Projected Income]; Employer Letter - 2026 [Borrower - | Primary Income - Projected Income]; Other - 2026 [Borrower - | Primary Income - Projected Income]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.100% | $10,000.00 | 1.7 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 36.640% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 52.04 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118465 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,841.17 | 6.570% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $11,208.30 | 1 | XXXXX | $4,371.00 | XXXXX | $364.25 | 46.200% | 46.200% | 46.200% | 02/25/2026 | 790 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.990% | $9,700.00 | 1.4 | None | Yes | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 1 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 114.39 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120328 | XXXXX | Non QM | Yes | No | $2,090.00 | $12,394.05 | 6.402% | XXXXX | XXXXX | 6.250% | No | No | Not Employed | Employed | US Citizen | US Citizen | $6,118.93 | 1 | XXXXX | $2,610.96 | XXXXX | $217.58 | 48.978% | 48.978% | 48.978% | 02/02/2026 | 797 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,090.00 | 5.980% | $330,000.00 | 1.7 | None | No | No | 6.250% | 0 | 2 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 52.450% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 86.27 | Yes | No | $0.00 | $11,992.75 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118381 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $31,775.00 | $33,187.67 | 6.460% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $14,564.84 | 1 | XXXXX | $3,804.00 | XXXXX | $317.00 | 47.053% | 47.053% | 47.053% | 01/22/2026 | 766 | No | No | [Borrower - |
Primary Income - Housing Allowance]; Account Statements - 2026 [Borrower - | Primary Income - Housing Allowance]; Employer Letter - 2026 [Borrower - | Primary Income - Housing Allowance]; Other - 2026 [Borrower - | Primary Income - Housing Allowance]; Paystubs - 2026 [Borrower - | Primary Income - Housing Allowance]; W-2 - 2025 [Borrower - | Primary Income - Housing Allowance]; W-2 - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $31,775.00 | 5.990% | $0.00 | 2.2 | None | N/A | No | 6.250% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 25.55 | No | $12,508.14 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122918 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $1,551.00 | XXXXX | $129.25 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 781 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.37 | 0.42 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.95 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119687 | XXXXX | Non QM | Yes | No | $5,513.00 | $6,701.95 | 6.356% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | US Citizen | $17,744.27 | 1 | XXXXX | $3,292.20 | XXXXX | $274.35 | 22.502% | 22.502% | 22.502% | 02/20/2026 | 806 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $5,513.00 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116876 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 2 | XXXXX | $3,804.96 | XXXXX | $317.08 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 674 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123922 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,104.00 | XXXXX | $92.00 | 0.000% | 0.000% | 0.000% | 01/07/2025 | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | 240 | XXXXX | XXXXX | 89.560% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 96.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116081 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $4,451.40 | XXXXX | $370.95 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 764 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.59 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 104.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120394 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $2,331.00 | XXXXX | $194.25 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121334 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,517.89 | 6.774% | XXXXX | XXXXX | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,958.55 | 1 | XXXXX | $3,193.68 | XXXXX | $266.14 | 45.957% | 45.957% | 45.957% | 03/11/2026 | 796 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $0.00 | 1.0 | None | No | No | 6.750% | 1 | 0 | 0 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 194.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119727 | XXXXX | Non QM | Yes | No | $4,030.00 | $9,395.00 | 6.303% | XXXXX | XXXXX | 6.250% | No | No | Employed | Permanent Resident Alien | $19,449.76 | 1 | XXXXX | $4,791.96 | XXXXX | $399.33 | 37.822% | 37.822% | 37.822% | 02/20/2026 | 802 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,030.00 | 5.980% | $0.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 52.910% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 2.2 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120578 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,832.04 | XXXXX | $152.67 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 676 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 120.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119037 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.318% | No | No | US Citizen | 2 | XXXXX | $1,529.28 | XXXXX | $127.44 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.318% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | 69.760% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 64.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120935 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,116.00 | XXXXX | $93.00 | 0.000% | 0.000% | 0.000% | 12/18/2025 | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 135 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113301 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $2,867.04 | XXXXX | $238.92 | 0.000% | 0.000% | 0.000% | 01/26/2026 | 691 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.93 | 0.52 | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117103 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $2,344.68 | XXXXX | $195.39 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 663 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 60.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119606 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 3 | XXXXX | $2,339.04 | XXXXX | $194.92 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121352 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,677.92 | 7.039% | XXXXX | XXXXX | 7.672% | No | No | Employed | Not Employed | US Citizen | US Citizen | $17,582.96 | 1 | XXXXX | $5,266.08 | XXXXX | $438.84 | 45.694% | 36.015% | 45.694% | 03/10/2026 | 805 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.930% | $5,000.00 | 5.0 | None | No | No | 7.672% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 218.68 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119732 | XXXXX | Non QM | Yes | No | $7,349.36 | $0.00 | 6.614% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $19,283.14 | 1 | XXXXX | $3,452.16 | XXXXX | $287.68 | 39.669% | 39.669% | 39.669% | 02/04/2026 | 805 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $7,349.36 | 5.980% | $28,166.31 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 37.870% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.82 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122737 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $5,626.20 | XXXXX | $468.85 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.39 | XXXXX | XXXXX | 22.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119528 | XXXXX | N/A | No | No | $173,680.00 | $43,941.00 | 7.043% | XXXXX | XXXXX | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $685,351.63 | 1 | XXXXX | $7,341.00 | XXXXX | $611.75 | 18.028% | 18.028% | 18.028% | 01/27/2026 | 778 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Business License - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2015 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2015 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $173,680.00 | 6.220% | $0.00 | 3.6 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 166.68 | No | No | $836,080.50 | $0.00 | No | No | No | No | 10 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121853 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.874% | No | No | US Citizen | 1 | XXXXX | $806.04 | XXXXX | $67.17 | 0.000% | 0.000% | 0.000% | 02/27/2026 | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 64.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 63.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121462 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,179.00 | XXXXX | $98.25 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 750 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | 240 | XXXXX | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120273 | XXXXX | Non QM | Yes | No | $2,320.00 | $2,739.00 | 7.055% | XXXXX | XXXXX | 7.652% | No | No | Self-Employed | Permanent Resident Alien | $12,353.76 | 1 | XXXXX | $2,175.24 | XXXXX | $181.27 | 50.256% | 46.448% | 50.256% | 02/24/2026 | 782 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,320.00 | 5.930% | $250,000.00 | 1.0 | None | No | No | 7.652% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | 14.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 13.07 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120316 | XXXXX | Non QM | Yes | No | $14,426.00 | $16,076.08 | 8.193% | XXXXX | XXXXX | 7.750% | No | No | Employed | US Citizen | $5,655.54 | 2 | XXXXX | $4,842.60 | XXXXX | $403.55 | 45.092% | 45.092% | 45.092% | 01/22/2026 | 681 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $14,426.00 | 5.990% | $0.00 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123370 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $2,397.00 | XXXXX | $199.75 | 0.000% | 0.000% | 0.000% | 01/26/2026 | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | XXXXX | 33.550% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121211 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $2,334.00 | XXXXX | $194.50 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118149 | XXXXX | Non QM | Yes | No | $8,991.43 | $4,574.10 | 6.319% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | US Citizen | $7,727.85 | 1 | XXXXX | $1,140.00 | XXXXX | $95.00 | 52.729% | 52.729% | 52.729% | 02/11/2026 | 776 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $8,991.43 | 5.990% | $20,000.00 | 2.6 | None | No | No | 6.250% | 0 | 0 | 0 | 3 | 2 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 319.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122801 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $1,421.64 | XXXXX | $118.47 | 0.000% | 0.000% | 0.000% | 03/16/2026 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXXX | XXXXX | 61.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122526 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,070.12 | XXXXX | $172.51 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114717 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $972.36 | XXXXX | $81.03 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121344 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $15,628.13 | $17,260.30 | 8.997% | XXXXX | XXXXX | 8.625% | No | No | Employed | US Citizen | $10,304.53 | 1 | XXXXX | $4,746.96 | XXXXX | $395.58 | 40.482% | 40.482% | 40.482% | 10/07/2025 | 692 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $15,628.13 | 6.190% | $0.00 | 3.0 | None | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 33.420% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.38 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122172 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,154.28 | XXXXX | $96.19 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 3.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119200 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,712.04 | XXXXX | $142.67 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.6 | 1.66 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 131.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121375 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,128.80 | 6.711% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | US Citizen | $4,726.01 | 1 | XXXXX | $1,265.88 | XXXXX | $105.49 | 40.957% | 40.957% | 40.957% | 02/18/2026 | 817 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $250.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 29.970% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.19 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118213 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,616.44 | 6.807% | XXXXX | XXXXX | 6.750% | No | No | Non-Employment Income | US Citizen | $2,697.44 | 2 | XXXXX | $5,084.04 | XXXXX | $423.67 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 805 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (Residual Income) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.990% | $3,300.00 | None | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 114.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117235 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | US Citizen | 1 | XXXXX | $1,503.96 | XXXXX | $125.33 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 134.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119103 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $4,420.08 | XXXXX | $368.34 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | XXXXX | 29.400% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121782 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | XXXXX | $3,021.00 | XXXXX | $251.75 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.57 | 1.77 | XXXXX | XXXXX | 37.150% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119543 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $2,370.24 | XXXXX | $197.52 | 0.000% | 0.000% | 0.000% | 01/31/2026 | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.2 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.73 | 1.37 | XXXXX | XXXXX | 56.950% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121212 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.399% | No | No | Permanent Resident Alien | 1 | XXXXX | $1,211.52 | XXXXX | $100.96 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | Yes | No | 7.399% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 121.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123982 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.625% | No | No | US Citizen | 1 | XXXXX | $1,917.00 | XXXXX | $159.75 | 0.000% | 0.000% | 0.000% | 08/07/2025 | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.4 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120621 | XXXXX | Non QM | Yes | No | $1,840.00 | $4,517.61 | 6.551% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $14,572.27 | 1 | XXXXX | $984.96 | XXXXX | $82.08 | 39.632% | 39.632% | 39.632% | 03/23/2026 | 804 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,840.00 | 6.020% | $0.00 | 3.1 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 368.69 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119110 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,448.11 | 6.765% | XXXXX | XXXXX | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $33,448.23 | 1 | XXXXX | $10,125.96 | XXXXX | $843.83 | 35.779% | 35.779% | 35.779% | 02/27/2026 | 710 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $13,298.48 | 1.1 | None | Yes | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 32.980% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.65 | Retail | Yes | No | $0.00 | $22,916.67 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118615 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.375% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,173.08 | XXXXX | $181.09 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXXX | XXXXX | 43.020% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | A99 | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118253 | XXXXX | Non QM | Yes | No | $2,270.00 | $3,141.61 | 6.310% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $7,111.74 | 1 | XXXXX | $2,871.96 | XXXXX | $239.33 | 43.213% | 43.213% | 43.213% | 02/06/2026 | 798 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 5.990% | $5,600.00 | 1.2 | None | No | No | 6.250% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 196.94 | No | No | $3,620.09 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122978 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $2,557.08 | XXXXX | $213.09 | 0.000% | 0.000% | 0.000% | 12/05/2025 | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | 360 | XXXXX | XXXXX | 29.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123333 | XXXXX | N/A | No | No | $12,807.54 | $6,054.92 | 6.574% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $4,621.74 | 1 | XXXXX | $1,370.04 | XXXXX | $114.17 | 46.877% | 46.877% | 46.877% | 03/26/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $12,807.54 | 6.220% | $7,700.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 36.110% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.98 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121916 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,195.95 | 6.410% | XXXXX | XXXXX | 6.375% | No | No | Not Employed | Employed | US Citizen | US Citizen | $14,514.14 | 1 | XXXXX | $5,280.36 | XXXXX | $440.03 | 45.585% | 45.585% | 45.585% | 03/16/2026 | 795 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.120% | $0.00 | 2.5 | None | No | No | 6.375% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 52.300% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.28 | Yes | No | $0.00 | $26,672.84 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120212 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,221.00 | XXXXX | $101.75 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | XXXXX | XXXXX | 64.280% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 20.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120097 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 3 | XXXXX | $4,800.96 | XXXXX | $400.08 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 3.33 | 0.3 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117797 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $1,305.00 | XXXXX | $108.75 | 0.000% | 0.000% | 0.000% | 01/14/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 999.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120659 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,618.08 | 6.684% | XXXXX | XXXXX | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $22,534.38 | 1 | XXXXX | $2,790.00 | XXXXX | $232.50 | 14.696% | 14.696% | 14.696% | 03/09/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $0.00 | 3.4 | None | No | No | 6.625% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 39.390% | No | 26 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 29.18 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121322 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $1,092.24 | XXXXX | $91.02 | 0.000% | 0.000% | 0.000% | 03/12/2026 | 681 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120870 | XXXXX | Non QM | Yes | No | $21,956.00 | $12,689.96 | 7.596% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $20,258.10 | 1 | XXXXX | $1,886.16 | XXXXX | $157.18 | 35.431% | 35.431% | 35.431% | 02/27/2026 | 721 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $21,956.00 | 6.120% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124107 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 2 | XXXXX | $1,359.00 | XXXXX | $113.25 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 814 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXXX | XXXXX | 40.970% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.23 | Yes | 20.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120397 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $819.96 | XXXXX | $68.33 | 0.000% | 0.000% | 0.000% | 01/16/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121639 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.125% | No | No | Permanent Resident Alien | 1 | XXXXX | $605.04 | XXXXX | $50.42 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 660 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121503 | XXXXX | N/A | No | No | $28,820.00 | $15,173.03 | 7.037% | XXXXX | XXXXX | 6.875% | No | No | Not Employed | Employed | Employed | 4.21 | US Citizen | US Citizen | $56,600.62 | 1 | XXXXX | $7,237.80 | XXXXX | $603.15 | 32.246% | 32.246% | 32.246% | 01/22/2026 | 783 | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $28,820.00 | 6.020% | $1,000.00 | 3.7 | None | No | No | 6.875% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 70.900% | No | 24 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.17 | No | No | $0.00 | $83,538.32 | No | No | No | No | 4 | 360 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122022 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | Permanent Resident Alien | 1 | XXXXX | $3,868.80 | XXXXX | $322.40 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.56 | 1.79 | XXXXX | XXXXX | 52.980% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119048 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.125% | No | No | US Citizen | 1 | XXXXX | $4,056.96 | XXXXX | $338.08 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.6 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.34 | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 160.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121008 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,423.59 | 6.398% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $21,095.68 | 1 | XXXXX | $6,729.00 | XXXXX | $560.75 | 48.974% | 48.974% | 48.974% | 03/23/2026 | 785 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $0.00 | 1.0 | None | Yes | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 59.030% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 61.34 | Yes | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117901 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,008.00 | XXXXX | $84.00 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.91 | 0.52 | XXXXX | XXXXX | 33.910% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 34.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122738 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.875% | No | No | US Citizen | 1 | XXXXX | $2,556.00 | XXXXX | $213.00 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 716 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.68 | 1.48 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 109.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122568 | XXXXX | Non QM | Yes | No | $2,199.00 | $5,790.88 | 6.314% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $46,100.75 | 1 | XXXXX | $5,564.04 | XXXXX | $463.67 | 36.642% | 36.642% | 36.642% | 03/02/2026 | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,199.00 | 5.610% | $0.00 | 4.5 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 6 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 134.19 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122427 | XXXXX | Non QM | Yes | No | $19,640.00 | $19,325.80 | 7.374% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $32,213.80 | 1 | XXXXX | $2,511.96 | XXXXX | $209.33 | 42.492% | 42.492% | 42.492% | 02/23/2026 | 763 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $19,640.00 | 6.120% | $0.00 | 3.5 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.61 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118108 | XXXXX | Non QM | Yes | No | $2,625.00 | $5,328.49 | 6.306% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $11,962.05 | 1 | XXXXX | $4,378.08 | XXXXX | $364.84 | 40.190% | 40.190% | 40.190% | 02/23/2026 | 796 | No | No | [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $2,625.00 | 6.100% | $5,000.00 | 2.7 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 63.120% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119830 | XXXXX | Non QM | Yes | No | $8,619.20 | $2,362.98 | 7.423% | XXXXX | XXXXX | 7.375% | No | No | Employed | US Citizen | $5,363.39 | 1 | XXXXX | $3,192.96 | XXXXX | $266.08 | 44.745% | 44.745% | 44.745% | 02/17/2026 | 683 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $8,619.20 | 5.980% | $18,000.00 | 3.7 | None | No | No | 7.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 34.580% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 52.64 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117059 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,049.41 | 6.639% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | US Citizen | $2,500.99 | 1 | XXXXX | $2,081.04 | XXXXX | $173.42 | 45.512% | 45.512% | 45.512% | 02/16/2026 | 797 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.100% | $0.00 | 1.2 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 379.58 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120564 | XXXXX | Non QM | Yes | No | $2,576.00 | $3,639.43 | 6.411% | XXXXX | XXXXX | 6.375% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $11,305.55 | 1 | XXXXX | $1,858.56 | XXXXX | $154.88 | 43.974% | 43.974% | 43.974% | 03/01/2026 | 789 | No | No | [Borrower - |
Primary Income - Wages]; D1C Income Verification Report - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,576.00 | 6.020% | $0.00 | 2.5 | None | No | No | 6.375% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 37.420% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.31 | Yes | No | $9,707.47 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119672 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 2 | XXXXX | $1,227.00 | XXXXX | $102.25 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 94.950% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 120.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123746 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,035.96 | XXXXX | $86.33 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 735 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.66 | XXXXX | XXXXX | 19.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119775 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,941.15 | 6.526% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $16,177.40 | 1 | XXXXX | $1,995.96 | XXXXX | $166.33 | 33.354% | 33.354% | 33.354% | 02/23/2026 | 804 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.980% | $0.00 | 2.3 | None | Yes | No | 6.500% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 158.47 | No | No | $1,786.20 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117089 | XXXXX | Non QM | Yes | No | $150.00 | $2,672.49 | 6.392% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $18,017.95 | 1 | XXXXX | $4,647.00 | XXXXX | $387.25 | 54.955% | 54.955% | 54.955% | 02/17/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $150.00 | 6.130% | $0.00 | 1.0 | None | Yes | No | 6.375% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 19.070% | No | 26 | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 34.88 | No | No | $0.00 | $12,500.02 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122951 | XXXXX | Non QM | Yes | No | $5,855.00 | $8,106.35 | 6.607% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $2,743.04 | 1 | XXXXX | $1,058.04 | XXXXX | $88.17 | 42.853% | 42.853% | 42.853% | 03/27/2026 | 801 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,855.00 | 6.220% | $0.00 | 1.3 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 48.480% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122035 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,321.56 | XXXXX | $110.13 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 803 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.59 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.49 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114088 | XXXXX | Non QM | Yes | No | $15,195.93 | $21,536.25 | 6.738% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $8,689.58 | 2 | XXXXX | $2,061.00 | XXXXX | $171.75 | 39.697% | 39.697% | 39.697% | 01/22/2026 | 790 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $15,195.93 | 6.020% | $121,000.00 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 15.00 | No | XXXXX | XXXXX | 18.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122572 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.990% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $598.92 | XXXXX | $49.91 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 6.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 95.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124014 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $6,159.00 | XXXXX | $513.25 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 775 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.38 | 0.42 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 25.15 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121512 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $5,423.16 | XXXXX | $451.93 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 797 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | XXXXX | 2.570% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 67.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120399 | XXXXX | Non QM | Yes | No | $2,465.00 | $46.19 | 6.365% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $7,898.63 | 1 | XXXXX | $1,749.96 | XXXXX | $145.83 | 45.992% | 45.992% | 45.992% | 03/02/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 5.980% | $10,872.00 | 1.0 | None | Yes | No | 6.375% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 36.720% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.52 | Yes | No | $0.00 | $5,892.88 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119574 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.000% | No | No | US Citizen | 1 | XXXXX | $278.04 | XXXXX | $23.17 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118288 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,743.24 | XXXXX | $145.27 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 776 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 124.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121110 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 2 | XXXXX | $1,082.04 | XXXXX | $90.17 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.55 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 152.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121523 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $958.80 | XXXXX | $79.90 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | XXXXX | 53.150% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114495 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $1,925.04 | XXXXX | $160.42 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121246 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $1,404.00 | XXXXX | $117.00 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 125.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121656 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,469.04 | XXXXX | $122.42 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 709 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.24 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 143.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121623 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,835.04 | XXXXX | $152.92 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 709 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.24 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 117.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121658 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,422.96 | XXXXX | $118.58 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 709 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122736 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $601.08 | XXXXX | $50.09 | 0.000% | 0.000% | 0.000% | 02/27/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.71 | 0.58 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120900 | XXXXX | Non QM | Yes | No | $1,970.00 | $2,983.51 | 6.652% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $17,972.20 | 1 | XXXXX | $2,439.36 | XXXXX | $203.28 | 45.474% | 45.474% | 45.474% | 03/09/2026 | 741 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,970.00 | 6.020% | $0.00 | 1.7 | None | Yes | No | 6.625% | 3 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 34.880% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 55.4 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121990 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $825.96 | XXXXX | $68.83 | 0.000% | 0.000% | 0.000% | 02/01/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.3 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 33.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120576 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.875% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,039.76 | XXXXX | $169.98 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | 360 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120780 | XXXXX | Non QM | Yes | No | $4,841.44 | $5,623.16 | 6.572% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | US Citizen | $4,310.97 | 1 | XXXXX | $1,653.96 | XXXXX | $137.83 | 30.941% | 30.941% | 30.941% | 03/10/2026 | 801 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $4,841.44 | 6.020% | $3,000.00 | 4.2 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 284.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119748 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,499.28 | 6.544% | XXXXX | XXXXX | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $18,639.51 | 1 | XXXXX | $2,141.76 | XXXXX | $178.48 | 27.791% | 27.791% | 27.791% | 03/03/2026 | 789 | No | No | [Borrower - |
Primary Income - Wages]; D1C Income Verification Report - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.980% | $0.00 | 1.3 | None | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 133.86 | No | No | $5,221.00 | $17,276.13 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121228 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $1,679.88 | XXXXX | $139.99 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 820 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119777 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 3 | XXXXX | $9,972.00 | XXXXX | $831.00 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123030 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $4,457.04 | XXXXX | $371.42 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.26 | 3.89 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118641 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 2 | XXXXX | $2,411.04 | XXXXX | $200.92 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120953 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,376.04 | XXXXX | $114.67 | 0.000% | 0.000% | 0.000% | 04/06/2026 | 786 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 115.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123576 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 3 | XXXXX | $2,910.96 | XXXXX | $242.58 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | XXXXX | 51.440% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119313 | XXXXX | Non QM | Yes | No | $1,640.00 | $11,509.15 | 6.260% | XXXXX | XXXXX | 6.250% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $17,852.00 | 1 | XXXXX | $3,464.04 | XXXXX | $288.67 | 46.711% | 46.711% | 46.711% | 03/19/2026 | 779 | No | No | [Coborrower(s) - |
Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.980% | $0.00 | 1.0 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 413.18 | Yes | No | $33,500.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120382 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | US Citizen | 1 | XXXXX | $4,247.64 | XXXXX | $353.97 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 18.900% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | A | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124962 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $29,520.00 | $30,940.38 | 9.616% | XXXXX | XXXXX | 9.375% | No | No | Employed | Employed | Permanent Resident Alien | US Citizen | $18,815.18 | 1 | XXXXX | $6,770.28 | XXXXX | $564.19 | 48.499% | 48.499% | 48.499% | 02/10/2026 | 683 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $29,520.00 | 6.220% | $0.00 | 3.8 | None | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 49.830% | No | 12 | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 35.49 | No | Yes | $0.00 | $19,033.33 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115569 | XXXXX | N/A | No | No | $3,415.00 | $4,952.00 | 7.572% | XXXXX | XXXXX | 7.375% | No | No | Not Employed | Employed | Self-Employed | 4.43 | US Citizen | US Citizen | $11,016.55 | 2 | XXXXX | $2,062.20 | XXXXX | $171.85 | 30.680% | 30.680% | 30.680% | 01/27/2026 | 803 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - |
Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,415.00 | 6.220% | $0.00 | None | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.45 | No | No | $2,631.31 | $12,694.80 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120425 | XXXXX | N/A | No | No | $13,365.00 | $2,347.74 | 6.537% | XXXXX | XXXXX | 6.375% | No | No | Not Employed | Employed | US Citizen | $69,785.78 | 1 | XXXXX | $1,233.00 | XXXXX | $102.75 | 37.345% | 37.345% | 37.345% | 03/25/2026 | 775 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $13,365.00 | 5.730% | $0.00 | 1.0 | None | Yes | No | 6.375% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 36 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.26 | No | No | $0.00 | $111,380.26 | No | No | No | No | 14 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118818 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 3 | XXXXX | $2,609.40 | XXXXX | $217.45 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 696 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122944 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | Non-Permanent Resident Alien | 4 | XXXXX | $5,469.60 | XXXXX | $455.80 | 0.000% | 0.000% | 0.000% | 03/12/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 51.090% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 85.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120355 | XXXXX | N/A | No | No | $13,565.00 | $2,415.99 | 6.539% | XXXXX | XXXXX | 6.375% | No | No | Not Employed | Employed | US Citizen | $70,595.08 | 1 | XXXXX | $1,575.12 | XXXXX | $131.26 | 36.618% | 36.618% | 36.618% | 03/25/2026 | 775 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $13,565.00 | 5.730% | $0.00 | 1.0 | None | Yes | No | 6.375% | 0 | 3 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.38 | No | No | $0.00 | $111,380.33 | No | No | No | No | 14 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123122 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $8,313.00 | XXXXX | $692.75 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.4 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 37.720% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 63.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120413 | XXXXX | N/A | No | No | $13,610.00 | $2,646.71 | 6.428% | XXXXX | XXXXX | 6.250% | No | No | Not Employed | Employed | US Citizen | $70,105.16 | 1 | XXXXX | $3,266.88 | XXXXX | $272.24 | 37.058% | 37.058% | 37.058% | 03/25/2026 | 775 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $13,610.00 | 5.530% | $0.00 | 1.0 | None | No | No | 6.250% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.48 | No | No | $0.00 | $111,380.33 | No | No | No | No | 14 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122222 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $1,191.00 | XXXXX | $99.25 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 701 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Other | Other | Other | No | 5.01 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123203 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,050.54 | 6.712% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | US Citizen | $2,198.11 | 1 | XXXXX | $720.96 | XXXXX | $60.08 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 818 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.220% | $5,000.00 | 1.9 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 369.07 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124279 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $2,934.96 | XXXXX | $244.58 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | 360 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 173.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123458 | XXXXX | Non QM | Yes | No | $9,595.00 | $13,984.75 | 7.627% | XXXXX | XXXXX | 7.500% | No | No | Employed | US Citizen | $6,658.99 | 1 | XXXXX | $1,650.96 | XXXXX | $137.58 | 51.747% | 51.747% | 51.747% | 02/02/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $9,595.00 | 6.220% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121840 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $4,271.04 | XXXXX | $355.92 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 677 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121789 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 3 | XXXXX | $8,172.72 | XXXXX | $681.06 | 0.000% | 0.000% | 0.000% | 01/18/2026 | 813 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.34 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 125.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000396 | Non QM | Yes | No | $9,762.20 | $12,616.95 | 7.585% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXXX | $5,565.09 | 1 | XXXXX | $3,831.00 | XXXXX | $319.25 | 49.987% | 49.987% | 49.987% | 02/04/2026 | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $9,762.20 | 6.220% | $0.00 | 1.3 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 26.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124782 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,807.44 | XXXXX | $150.62 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 717 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 88.09 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123196 | XXXXX | Non QM | Yes | No | $1,640.00 | $9,197.38 | 7.417% | XXXXX | XXXXX | 7.375% | No | No | Non-Employment Income | US Citizen | $11,249.61 | 1 | XXXXX | $3,328.32 | XXXXX | $277.36 | 48.733% | 40.510% | 48.733% | 03/22/2026 | 754 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.220% | $0.00 | 1.9 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 320.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120985 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $1,128.60 | XXXXX | $94.05 | 0.000% | 0.000% | 0.000% | 12/30/2025 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 493.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120441 | XXXXX | Non QM | Yes | No | $1,640.00 | $20,951.20 | 6.389% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $43,523.27 | 1 | XXXXX | $5,015.04 | XXXXX | $417.92 | 44.376% | 35.118% | 44.376% | 03/06/2026 | 802 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.980% | $5,000.00 | 2.2 | None | No | No | 6.375% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | XXXXX | XXXXX | 81.240% | No | 2 | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 86.92 | Yes | No | $0.00 | $39,912.13 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124012 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,751.04 | XXXXX | $145.92 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 772 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 455.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124664 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | Permanent Resident Alien | 1 | XXXXX | $2,322.96 | XXXXX | $193.58 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124784 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,093.44 | XXXXX | $91.12 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 767 | No | No | DSCR | 1 | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 77.13 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124190 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $840.48 | XXXXX | $70.04 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.48 | 2.08 | XXXXX | XXXXX | 63.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118710 | XXXXX | Non QM | Yes | No | $6,390.38 | $14,115.05 | 6.421% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $20,565.89 | 3 | XXXXX | $8,743.08 | XXXXX | $728.59 | 37.237% | 37.237% | 37.237% | 03/10/2026 | 791 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,390.38 | 5.990% | $0.00 | None | No | No | 6.375% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.88 | No | $0.00 | $19,292.52 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121891 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $1,748.04 | XXXXX | $145.67 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 90.6 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121128 | XXXXX | Non QM | Yes | No | $4,720.00 | $6,410.10 | 6.660% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $3,487.22 | 1 | XXXXX | $2,963.04 | XXXXX | $246.92 | 42.130% | 42.130% | 42.130% | 02/26/2026 | 809 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $4,720.00 | 6.120% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 380.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123444 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 2 | XXXXX | $2,441.28 | XXXXX | $203.44 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 91.4 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120025 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,315.39 | 6.688% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,569.56 | 1 | XXXXX | $2,207.04 | XXXXX | $183.92 | 43.951% | 43.951% | 43.951% | 03/12/2026 | 779 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.980% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 2 | 0 | 3 | 2 | 12.00 | No | XXXXX | XXXXX | 89.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 111.78 | Yes | No | $9,676.83 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116482 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | US Citizen | 1 | XXXXX | $1,311.12 | XXXXX | $109.26 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 704 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 75.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121889 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 4 | XXXXX | $4,141.20 | XXXXX | $345.10 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.08 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120299 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,896.22 | 6.665% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,439.41 | 1 | XXXXX | $3,032.04 | XXXXX | $252.67 | 49.752% | 49.752% | 49.752% | 03/05/2026 | 787 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.980% | $0.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | No | XXXXX | XXXXX | 32.870% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 50.8 | Yes | No | $0.00 | $8,333.30 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121743 | XXXXX | N/A | No | No | $1,640.00 | $8,890.78 | 7.644% | XXXXX | XXXXX | 7.652% | No | No | Self-Employed | US Citizen | $122,421.89 | 1 | XXXXX | $6,443.52 | XXXXX | $536.96 | 30.811% | 31.446% | 31.535% | 02/21/2026 | 736 | No | Yes | 12 | Personal | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.150% | $0.00 | 2.3 | None | No | No | 7.652% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.46 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118292 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,697.35 | 6.583% | XXXXX | XXXXX | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $12,155.45 | 1 | XXXXX | $2,061.96 | XXXXX | $171.83 | 30.828% | 30.828% | 30.828% | 03/11/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.990% | $0.00 | 2.2 | None | No | No | 6.500% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 75.520% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 88.1 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122308 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,211.28 | XXXXX | $100.94 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 470.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124020 | XXXXX | Non QM | Yes | No | $2,376.00 | $0.00 | 6.832% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,809.07 | 1 | XXXXX | $1,977.00 | XXXXX | $164.75 | 38.227% | 38.227% | 38.227% | 03/03/2026 | 782 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,376.00 | 6.430% | $45,000.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 9.540% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116949 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | US Citizen | 1 | XXXXX | $8,211.60 | XXXXX | $684.30 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.5 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 476.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123369 | XXXXX | Non QM | Yes | No | $1,740.00 | $11,926.50 | 6.406% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | US Citizen | $5,829.17 | 1 | XXXXX | $3,454.68 | XXXXX | $287.89 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 772 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.220% | $0.00 | 2.6 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 147.92 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121359 | XXXXX | Non QM | Yes | No | $6,158.75 | $15,552.95 | 6.456% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $21,143.75 | 1 | XXXXX | $7,548.96 | XXXXX | $629.08 | 41.696% | 41.696% | 41.696% | 03/12/2026 | 775 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,158.75 | 6.020% | $8,500.00 | 3.8 | None | No | No | 6.375% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 45.140% | No | 3 | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.85 | Yes | No | $0.00 | $21,031.65 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118490 | XXXXX | Non QM | Yes | No | $1,790.00 | $14,771.95 | 6.273% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $43,212.65 | 1 | XXXXX | $10,585.68 | XXXXX | $882.14 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 813 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 5.990% | $0.00 | 5.0 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 405.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117425 | XXXXX | Non QM | Yes | No | $2,792.00 | $6,025.45 | 6.298% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $19,614.62 | 1 | XXXXX | $1,056.96 | XXXXX | $88.08 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 791 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $2,792.00 | 6.100% | $0.00 | 1.4 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 615.37 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122907 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.125% | No | No | US Citizen | 1 | XXXXX | $1,130.04 | XXXXX | $94.17 | 0.000% | 0.000% | 0.000% | 03/16/2026 | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.24 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120455 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,399.99 | 6.495% | XXXXX | XXXXX | 6.500% | No | No | Not Employed | Employed | US Citizen | US Citizen | $22,242.81 | 1 | XXXXX | $1,572.36 | XXXXX | $131.03 | 24.938% | 24.938% | 24.938% | 03/23/2026 | 799 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $10,000.00 | 1.3 | None | No | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 48.610% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 49.09 | No | No | $0.00 | $29,632.71 | No | No | No | No | 2 | 360 | AE | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120527 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,407.24 | XXXXX | $117.27 | 0.000% | 0.000% | 0.000% | 01/27/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | 360 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1093.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120159 | XXXXX | Non QM | Yes | No | $5,252.60 | $8,842.52 | 6.746% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,059.67 | 1 | XXXXX | $1,826.88 | XXXXX | $152.24 | 53.651% | 53.651% | 53.651% | 03/25/2026 | 799 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $5,252.60 | 5.980% | $0.00 | 1.4 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 58.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 51.07 | Yes | No | $1,337.10 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119413 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,258.17 | 6.676% | XXXXX | XXXXX | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $8,612.08 | 1 | XXXXX | $1,254.96 | XXXXX | $104.58 | 49.377% | 49.377% | 49.377% | 03/18/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.980% | $0.00 | 1.0 | None | No | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 91.620% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 52.78 | No | No | $0.00 | $6,195.11 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120790 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 1 | XXXXX | $1,373.28 | XXXXX | $114.44 | 0.000% | 0.000% | 0.000% | 03/08/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 520.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124331 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.500% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,823.76 | XXXXX | $151.98 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.55 | 1.83 | XXXXX | XXXXX | 37.410% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121320 | XXXXX | Non QM | Yes | No | $0.00 | $2,048.63 | 6.764% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $12,328.53 | 1 | XXXXX | $2,238.00 | XXXXX | $186.50 | 43.231% | 43.231% | 43.231% | 03/10/2026 | 792 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.220% | $0.00 | 1.3 | None | No | No | 6.750% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118081 | XXXXX | Non QM | Yes | No | $32,320.55 | $38,053.42 | 7.006% | XXXXX | XXXXX | 7.649% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $19,396.02 | 1 | XXXXX | $3,843.96 | XXXXX | $320.33 | 43.180% | 38.753% | 43.180% | 02/06/2026 | 761 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $32,320.55 | 6.010% | $0.00 | 2.6 | None | Yes | No | 7.649% | 2 | 1 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | No | 160.86 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123809 | XXXXX | Non QM | Yes | No | $11,087.50 | $17,545.25 | 7.950% | XXXXX | XXXXX | 7.875% | No | No | Employed | US Citizen | $35,909.14 | 1 | XXXXX | $1,445.16 | XXXXX | $120.43 | 44.755% | 44.755% | 44.755% | 02/27/2026 | 706 | No | No | [Borrower - |
Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,087.50 | 6.430% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.98 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118371 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $3,333.72 | XXXXX | $277.81 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124009 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $1,494.00 | XXXXX | $124.50 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | XXXXX | XXXXX | 0.370% | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116643 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,460.51 | 6.646% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $49,295.33 | 1 | XXXXX | $2,445.00 | XXXXX | $203.75 | 39.154% | 39.154% | 39.154% | 02/12/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $0.00 | 2.7 | None | No | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 60.020% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.84 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122389 | XXXXX | Non QM | Yes | No | $14,115.59 | $7,460.94 | 6.082% | XXXXX | XXXXX | 6.000% | No | No | Non-Employment Income | US Citizen | $6,123.51 | 1 | XXXXX | $1,586.04 | XXXXX | $132.17 | 49.857% | 49.857% | 49.857% | 03/18/2026 | 803 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $14,115.59 | 6.120% | $23,230.00 | 1.0 | None | N/A | No | 6.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 215.06 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125251 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $11,793.75 | $7,418.11 | 8.552% | XXXXX | XXXXX | 8.250% | No | No | Self-Employed | US Citizen | $10,310.16 | 1 | XXXXX | $1,238.04 | XXXXX | $103.17 | 21.274% | 21.274% | 21.274% | 02/17/2026 | 715 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $11,793.75 | 6.120% | $0.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 30.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.87 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119257 | XXXXX | Non QM | Yes | No | $2,493.13 | $1,838.21 | 6.407% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $8,083.10 | 1 | XXXXX | $1,332.00 | XXXXX | $111.00 | 50.120% | 50.120% | 50.120% | 02/06/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,493.13 | 5.980% | $7,000.00 | 4.0 | None | No | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 50.610% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 41.61 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120290 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,364.88 | XXXXX | $113.74 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.09 | XXXXX | XXXXX | 24.710% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120217 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,011.68 | 6.664% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $11,521.27 | 1 | XXXXX | $2,187.96 | XXXXX | $182.33 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 766 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.980% | $0.00 | 1.4 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 286.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121268 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,774.92 | XXXXX | $147.91 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.66 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 138.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124397 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | 0 | US Citizen | US Citizen | 2 | XXXXX | $834.00 | XXXXX | $69.50 | 0.000% | 0.000% | 0.000% | 03/12/2026 | 687 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | XXXXX | 20.740% | No | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Guarantor - Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124484 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $2,242.92 | XXXXX | $186.91 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 75.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124071 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $1,190.52 | XXXXX | $99.21 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | XXXXX | XXXXX | 7.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122906 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $1,310.40 | XXXXX | $109.20 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.68 | 1.47 | XXXXX | XXXXX | 47.860% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120585 | XXXXX | Non QM | Yes | No | $1,640.00 | $8,725.02 | 6.456% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,167.86 | 1 | XXXXX | $4,242.96 | XXXXX | $353.58 | 43.580% | 43.580% | 43.580% | 03/10/2026 | 799 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $0.00 | 1.7 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 128.03 | No | No | $3,163.40 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123055 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $1,529.04 | XXXXX | $127.42 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 295.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113980 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | Foreign National | 1 | XXXXX | $2,859.96 | XXXXX | $238.33 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.6 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | XXXXX | XXXXX | 40.160% | Yes | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 48.16 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113992 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | Non-Permanent Resident Alien | 2 | XXXXX | $939.00 | XXXXX | $78.25 | 0.000% | 0.000% | 0.000% | 10/21/2025 | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.68 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113978 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 2 | XXXXX | $3,000.96 | XXXXX | $250.08 | 0.000% | 0.000% | 0.000% | 08/13/2025 | 671 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.47 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000113996 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,227.99 | $9,687.82 | 7.998% | XXXXX | XXXXX | 7.500% | No | No | Employed | US Citizen | $5,156.39 | 1 | XXXXX | $2,378.04 | XXXXX | $198.17 | 40.462% | 40.462% | 40.462% | 10/22/2025 | 642 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXXX | $7,227.99 | 6.240% | $100,000.00 | 1.6 | None | N/A | No | 7.500% | 2 | 1 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 10.140% | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114022 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,195.00 | $5,522.16 | 7.298% | XXXXX | XXXXX | 6.999% | No | No | Self-Employed | US Citizen | $3,049.59 | 1 | XXXXX | $714.00 | XXXXX | $59.50 | 44.459% | 44.459% | 44.459% | 11/18/2025 | 738 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | XXXXX | $7,195.00 | 6.250% | $85,500.00 | 1.0 | None | N/A | No | 6.999% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 8.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114001 | XXXXX | N/A | Yes | No | No | $48,817.75 | $21,938.14 | 7.064% | XXXXX | XXXXX | 6.750% | No | No | Not Employed | Self-Employed | Foreign National | XXXXX | $572,654.11 | 1 | XXXXX | $1,484.40 | XXXXX | $123.70 | 1.173% | 1.173% | 1.173% | No | No | [Coborrower(s) - |
Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $48,817.75 | 6.230% | $0.00 | 2.1 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Passport | 254.12 | No | Yes | $579,449.12 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114133 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $28,480.00 | $0.00 | 7.582% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed | US Citizen | $204,597.32 | 1 | XXXXX | $2,814.36 | XXXXX | $234.53 | 31.953% | 31.953% | 31.953% | 02/05/2026 | 751 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Account Statements - Business -
2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 [Borrower - | Primary Income - P&L Statement Only]; Other - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $28,480.00 | 6.140% | $40,000.00 | 5.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 244.64 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | A | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119784 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.125% | No | No | US Citizen | 1 | XXXXX | $2,061.48 | XXXXX | $171.79 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.8 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122636 | XXXXX | Non QM | Yes | No | $2,918.00 | $5,714.04 | 6.441% | XXXXX | XXXXX | 6.375% | No | No | Employed | Permanent Resident Alien | $6,976.15 | 1 | XXXXX | $668.04 | XXXXX | $55.67 | 39.338% | 39.338% | 39.338% | 03/03/2026 | 784 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,918.00 | 6.120% | $0.00 | 1.0 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 55.930% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 7.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122922 | XXXXX | Non QM | Yes | No | $6,322.80 | $7,443.08 | 6.603% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $3,289.89 | 1 | XXXXX | $1,488.00 | XXXXX | $124.00 | 39.734% | 39.734% | 39.734% | 12/11/2025 | 801 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $6,322.80 | 6.220% | $0.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 238.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114021 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 2 | XXXXX | $2,568.00 | XXXXX | $214.00 | 0.000% | 0.000% | 0.000% | 02/01/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.56 | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 63.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122051 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,881.96 | XXXXX | $156.83 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 701 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.65 | 1.54 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 89.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122276 | XXXXX | Non QM | Yes | No | $1,790.00 | $7,638.89 | 6.912% | XXXXX | XXXXX | 6.875% | No | No | Not Employed | Employed | US Citizen | US Citizen | $11,392.91 | 1 | XXXXX | $1,694.04 | XXXXX | $141.17 | 40.627% | 40.627% | 40.627% | 03/12/2026 | 809 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.120% | $0.00 | 1.7 | None | Yes | No | 6.875% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 40.150% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50 | No | No | $0.00 | $19,188.78 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120359 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | Permanent Resident Alien | 2 | XXXXX | $2,171.64 | XXXXX | $180.97 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 84.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123373 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $1,940.04 | XXXXX | $161.67 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | XXXXX | XXXXX | 51.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125747 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $1,579.68 | XXXXX | $131.64 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 773 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.44 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121959 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $1,846.92 | XXXXX | $153.91 | 0.000% | 0.000% | 0.000% | 03/16/2026 | 816 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 88.670% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 111.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122707 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $929.04 | XXXXX | $77.42 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 131.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122576 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,068.36 | XXXXX | $89.03 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.03 | 0.49 | XXXXX | XXXXX | 47.790% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121301 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $2,157.60 | XXXXX | $179.80 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124393 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,019.64 | XXXXX | $84.97 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 761 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.66 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 179.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119208 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $659.04 | XXXXX | $54.92 | 0.000% | 0.000% | 0.000% | 02/21/2026 | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 360 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124915 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | 0 | US Citizen | US Citizen | 2 | XXXXX | $9,624.12 | XXXXX | $802.01 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 803 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 71.510% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AO | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122030 | XXXXX | Non QM | Yes | No | $1,640.00 | $9,464.02 | 6.544% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $19,787.32 | 1 | XXXXX | $3,944.04 | XXXXX | $328.67 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 796 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.120% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 266.4 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120058 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 4 | XXXXX | $2,742.96 | XXXXX | $228.58 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124215 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $2,937.24 | XXXXX | $244.77 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 720 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.57 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123523 | XXXXX | Non QM | Yes | No | $2,845.00 | $5,454.94 | 8.552% | XXXXX | XXXXX | 8.500% | No | No | Employed | US Citizen | $11,580.18 | 1 | XXXXX | $1,968.00 | XXXXX | $164.00 | 40.615% | 40.615% | 40.615% | 03/19/2026 | 694 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,845.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118276 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $897.60 | XXXXX | $74.80 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.74 | 1.36 | XXXXX | XXXXX | 47.350% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124780 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 3 | XXXXX | $3,290.28 | XXXXX | $274.19 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 724 | No | No | DSCR | 1 | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.07 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120653 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.399% | No | No | US Citizen | 4 | XXXXX | $3,043.80 | XXXXX | $253.65 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.399% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 29.470% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122112 | XXXXX | Non QM | Yes | No | $25,690.00 | $14,422.37 | 6.191% | XXXXX | XXXXX | 6.125% | No | No | Non-Employment Income | US Citizen | $4,828.59 | 1 | XXXXX | $6,096.96 | XXXXX | $508.08 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 812 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $25,690.00 | 6.120% | $76,250.00 | 1.6 | None | No | No | 6.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 185.99 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123148 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,468.47 | 6.867% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $14,636.36 | 1 | XXXXX | $2,100.84 | XXXXX | $175.07 | 42.824% | 42.824% | 42.824% | 04/06/2026 | 787 | No | No | [Borrower - |
Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2013 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.220% | $20,000.00 | 1.0 | None | Yes | No | 6.875% | 2 | 1 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 27.370% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122367 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,764.20 | 6.965% | XXXXX | XXXXX | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $21,971.98 | 1 | XXXXX | $1,995.96 | XXXXX | $166.33 | 20.488% | 20.488% | 20.488% | 03/18/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.120% | $0.00 | 3.3 | None | N/A | No | 6.875% | 3 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 35.790% | No | 26 | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.42 | No | No | $0.00 | $12,393.80 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124082 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,397.87 | 6.935% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $6,344.80 | 1 | XXXXX | $1,749.96 | XXXXX | $145.83 | 38.947% | 38.947% | 38.947% | 03/24/2026 | 810 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 85.080% | No | 26 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 96.48 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124811 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,091.04 | XXXXX | $90.92 | 0.000% | 0.000% | 0.000% | 04/03/2026 | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.87 | 0.53 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 140.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120550 | XXXXX | N/A | No | No | $1,640.00 | $4,396.15 | 7.784% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $26,045.41 | 1 | XXXXX | $2,453.52 | XXXXX | $204.46 | 46.241% | 46.241% | 46.241% | 03/05/2026 | 781 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $0.00 | 2.6 | None | No | No | 7.750% | 2 | 2 | 1 | 0 | 3 | 1 | 3.00 | No | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.65 | No | No | $0.00 | $5,424.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124452 | XXXXX | Non QM | Yes | No | $2,465.00 | $7,341.25 | 6.764% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $26,559.49 | 1 | XXXXX | $1,851.00 | XXXXX | $154.25 | 41.244% | 41.244% | 41.244% | 03/02/2026 | 742 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.430% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123231 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,182.24 | XXXXX | $98.52 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | 41.720% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123909 | XXXXX | Non QM | Yes | No | $8,002.50 | $11,946.22 | 6.697% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $5,035.25 | 1 | XXXXX | $1,028.04 | XXXXX | $85.67 | 48.881% | 48.881% | 48.881% | 03/30/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,002.50 | 6.430% | $1,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 59.140% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123272 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 4 | XXXXX | $8,533.80 | XXXXX | $711.15 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 669 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.54 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122335 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $3,544.92 | XXXXX | $295.41 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | 360 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123657 | XXXXX | Non QM | Yes | No | $1,640.00 | $8,532.00 | 6.779% | XXXXX | XXXXX | 6.750% | No | No | Employed | Permanent Resident Alien | $10,017.15 | 1 | XXXXX | $1,899.96 | XXXXX | $158.33 | 54.914% | 54.914% | 54.914% | 03/29/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.220% | $0.00 | 1.0 | None | No | No | 6.750% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 95.340% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 116.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124983 | XXXXX | Non QM | Yes | No | $1,779.50 | $2,660.74 | 6.840% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $2,620.95 | 1 | XXXXX | $2,355.96 | XXXXX | $196.33 | 44.778% | 44.778% | 44.778% | 03/19/2026 | 756 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,779.50 | 6.620% | $0.00 | 1.4 | None | N/A | No | 6.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 211.5 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123308 | XXXXX | Non QM | Yes | No | $20,550.00 | $11,719.35 | 7.473% | XXXXX | XXXXX | 7.375% | No | No | Employed | US Citizen | $14,430.20 | 1 | XXXXX | $2,865.00 | XXXXX | $238.75 | 49.199% | 49.199% | 49.199% | 01/12/2026 | 751 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $20,550.00 | 6.370% | $15,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 43.620% | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.76 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123235 | XXXXX | Non QM | Yes | No | $2,490.00 | $4,317.12 | 6.951% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $4,220.23 | 1 | XXXXX | $2,523.00 | XXXXX | $210.25 | 47.898% | 47.898% | 47.898% | 02/12/2026 | 728 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123794 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $1,271.04 | XXXXX | $105.92 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 816 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.94 | 0.52 | XXXXX | XXXXX | 77.230% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124894 | XXXXX | Non QM | Yes | No | $22,600.00 | $272.65 | 6.241% | XXXXX | XXXXX | 6.250% | No | No | Employed | Permanent Resident Alien | $9,037.06 | 1 | XXXXX | $773.76 | XXXXX | $64.48 | 41.527% | 41.527% | 41.527% | 03/23/2026 | 738 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $22,600.00 | 6.430% | $29,811.46 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 17.460% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 8.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124193 | XXXXX | N/A | No | No | $7,714.17 | $10,176.23 | 7.274% | XXXXX | XXXXX | 6.899% | No | No | Self-Employed | US Citizen | $36,475.78 | 1 | XXXXX | $1,626.60 | XXXXX | $135.55 | 19.981% | 19.981% | 19.981% | 03/20/2026 | 739 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,714.17 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.899% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 7.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 91.43 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124916 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $1,490.04 | XXXXX | $124.17 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 29.830% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119733 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $2,124.96 | XXXXX | $177.08 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 701 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | 360 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124892 | XXXXX | Non QM | Yes | No | $2,490.00 | $6,263.79 | 6.398% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | US Citizen | $20,174.72 | 1 | XXXXX | $6,272.28 | XXXXX | $522.69 | 36.415% | 36.415% | 36.415% | 02/16/2026 | 802 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.430% | $0.00 | 1.9 | None | Yes | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 14.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123037 | XXXXX | Non QM | Yes | No | $2,570.00 | $6,034.71 | 7.021% | XXXXX | XXXXX | 7.000% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $30,359.91 | 1 | XXXXX | $963.96 | XXXXX | $80.33 | 41.484% | 41.484% | 41.484% | 03/16/2026 | 755 | No | No | [Borrower - |
Primary Income - Wages]; D1C Income Verification Report - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; D1C Income Verification Report - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,570.00 | 6.220% | $0.00 | 1.0 | None | No | No | 7.000% | 2 | 1 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 24.450% | No | 26 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 14.38 | No | No | $24,621.14 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124990 | XXXXX | N/A | No | No | $25,000.00 | $3,235.49 | 6.256% | XXXXX | XXXXX | 6.250% | No | No | Employed | Permanent Resident Alien | $12,907.77 | 1 | XXXXX | $1,754.04 | XXXXX | $146.17 | 43.879% | 43.879% | 43.879% | 02/27/2026 | 814 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $25,000.00 | 6.430% | $0.00 | 3.6 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 3.54 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121210 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | US Citizen | 1 | XXXXX | $717.96 | XXXXX | $59.83 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | No | 4.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123338 | XXXXX | Non QM | Yes | No | $1,740.00 | $6,575.01 | 6.456% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $11,310.29 | 1 | XXXXX | $6,278.16 | XXXXX | $523.18 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 802 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 518.76 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120640 | XXXXX | Non QM | Yes | No | $2,358.08 | $5,139.28 | 7.274% | XXXXX | XXXXX | 7.000% | No | No | Employed | US Citizen | $3,954.98 | 1 | XXXXX | $1,916.04 | XXXXX | $159.67 | 43.815% | 43.815% | 43.815% | 03/09/2026 | 783 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,358.08 | 6.020% | $0.00 | 2.6 | None | Yes | No | 7.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 82.190% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 47.19 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125119 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $728.04 | XXXXX | $60.67 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 32.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123112 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,631.04 | XXXXX | $135.92 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 12.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120166 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 4 | XXXXX | $3,135.96 | XXXXX | $261.33 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 723 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.57 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.55 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121927 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 4 | XXXXX | $2,922.00 | XXXXX | $243.50 | 0.000% | 0.000% | 0.000% | 12/30/2025 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119551 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,734.42 | 6.519% | XXXXX | XXXXX | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $20,721.40 | 1 | XXXXX | $1,440.96 | XXXXX | $120.08 | 41.242% | 41.242% | 41.242% | 03/02/2026 | 751 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 5.980% | $7,500.00 | 2.5 | None | No | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 40.190% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 29.57 | Yes | No | $0.00 | $13,015.60 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125250 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.500% | No | No | US Citizen | 1 | XXXXX | $1,297.44 | XXXXX | $108.12 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.5 | 2.01 | XXXXX | XXXXX | 66.550% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 56.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120204 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,313.64 | XXXXX | $109.47 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 113.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124958 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | Permanent Resident Alien | 1 | XXXXX | $2,222.04 | XXXXX | $185.17 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 31.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123501 | XXXXX | Non QM | Yes | No | $5,441.50 | $9,625.52 | 6.742% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $93,796.46 | 1 | XXXXX | $5,261.16 | XXXXX | $438.43 | 25.734% | 25.734% | 25.734% | 03/25/2026 | 800 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,441.50 | 6.220% | $0.00 | 3.6 | None | No | No | 6.625% | 3 | 2 | 0 | 3 | 0 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | 111.03 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123319 | XXXXX | Non QM | Yes | No | $7,873.00 | $9,946.85 | 6.372% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | US Citizen | $20,163.13 | 1 | XXXXX | $1,547.04 | XXXXX | $128.92 | 29.438% | 29.438% | 29.438% | 03/12/2026 | 753 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $7,873.00 | 6.120% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 73.32 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127248 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 4 | XXXXX | $7,335.00 | XXXXX | $611.25 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | 240 | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122577 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.558% | No | No | US Citizen | 1 | XXXXX | $888.00 | XXXXX | $74.00 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.558% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 85.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125362 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $2,041.80 | XXXXX | $170.15 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXXX | XXXXX | 35.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125547 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | US Citizen | 1 | XXXXX | $3,054.96 | XXXXX | $254.58 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 714 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.58 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 67.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125669 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $450.24 | XXXXX | $37.52 | 0.000% | 0.000% | 0.000% | 03/21/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.39 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124145 | XXXXX | Non QM | Yes | No | $1,790.00 | $4,361.54 | 7.233% | XXXXX | XXXXX | 7.650% | No | No | Employed | Not Employed | US Citizen | US Citizen | $63,025.23 | 1 | XXXXX | $9,729.84 | XXXXX | $810.82 | 36.757% | 33.492% | 36.757% | 04/01/2026 | 776 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.200% | $0.00 | 1.5 | None | No | No | 7.650% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | XXXXX | XXXXX | 69.020% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123405 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 3 | XXXXX | $12,846.60 | XXXXX | $1,070.55 | 0.000% | 0.000% | 0.000% | 04/10/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 23.410% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000613 | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,359.96 | XXXXX | $113.33 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.21 | 240 | XXXXX | XXXXX | 40.670% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125930 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $4,335.96 | XXXXX | $361.33 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 670 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125742 | XXXXX | Non QM | Yes | No | $5,800.00 | $7,308.51 | 6.742% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $7,516.10 | 1 | XXXXX | $1,404.12 | XXXXX | $117.01 | 39.871% | 39.871% | 39.871% | 03/24/2026 | 792 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,800.00 | 6.370% | $0.00 | 2.1 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 60.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125091 | XXXXX | Non QM | Yes | No | $2,465.00 | $1,861.97 | 7.755% | XXXXX | XXXXX | 8.643% | No | No | Employed | US Citizen | $9,443.23 | 1 | XXXXX | $1,758.24 | XXXXX | $146.52 | 40.980% | 39.955% | 40.980% | 03/26/2026 | 762 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.210% | $10,568.00 | 1.3 | None | N/A | No | 8.643% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 14.520% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123510 | XXXXX | N/A | No | No | $27,132.50 | $15,592.40 | 6.551% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | US Citizen | $10,218.52 | 1 | XXXXX | $1,226.04 | XXXXX | $102.17 | 16.929% | 16.929% | 16.929% | 03/25/2026 | 783 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $27,132.50 | 6.220% | $0.00 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124211 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,400.04 | XXXXX | $116.67 | 0.000% | 0.000% | 0.000% | 03/10/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.69 | XXXXX | XXXXX | 91.680% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124601 | XXXXX | Non QM | Yes | No | $8,968.00 | $11,105.16 | 6.504% | XXXXX | XXXXX | 6.375% | No | No | Employed | Permanent Resident Alien | $6,588.00 | 1 | XXXXX | $1,860.00 | XXXXX | $155.00 | 46.526% | 46.526% | 46.526% | 04/13/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,968.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 48.120% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 8.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125059 | XXXXX | N/A | No | No | $14,231.00 | $3,481.88 | 8.282% | XXXXX | XXXXX | 8.250% | No | No | Self-Employed | US Citizen | $34,007.03 | 1 | XXXXX | $2,566.56 | XXXXX | $213.88 | 42.914% | 42.914% | 42.914% | 03/11/2026 | 685 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $14,231.00 | 6.370% | $0.00 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0.03 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123340 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.990% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $1,219.56 | XXXXX | $101.63 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.29 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125835 | XXXXX | Non QM | Yes | No | $13,245.00 | $15,126.79 | 6.472% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | Permanent Resident Alien | $34,621.56 | 1 | XXXXX | $11,271.00 | XXXXX | $939.25 | 25.459% | 25.459% | 25.459% | 03/06/2026 | 809 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $13,245.00 | 6.370% | $0.00 | 2.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 14.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 12.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124491 | XXXXX | Non QM | Yes | No | $11,315.00 | $16,222.24 | 7.002% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $12,032.21 | 1 | XXXXX | $1,904.52 | XXXXX | $158.71 | 32.021% | 32.021% | 32.021% | 03/05/2026 | 763 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $11,315.00 | 6.430% | $158,000.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 6.680% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A | XXXXX | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125044 | XXXXX | Non QM | Yes | No | $0.00 | 6.609% | XXXXX | XXXXX | 6.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $15,434.99 | 1 | XXXXX | $6,657.00 | XXXXX | $554.75 | 51.602% | 51.602% | 51.602% | 03/16/2026 | 810 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Other - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Farming]; 1040 - Schedule F - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.220% | $0.00 | 2.3 | None | No | No | 6.625% | 1 | 0 | 1 | 0 | 1 | 1 | 0.00 | No | XXXXX | XXXXX | 34.430% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.92 | Yes | No | $15,540.55 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119676 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $2,005.92 | XXXXX | $167.16 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125230 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.498% | No | No | US Citizen | 1 | XXXXX | $782.52 | XXXXX | $65.21 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.498% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | XXXXX | XXXXX | 62.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125344 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $680.04 | XXXXX | $56.67 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXXX | XXXXX | 11.120% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116484 | XXXXX | Non QM | Yes | No | $10,219.04 | $12,572.96 | 8.088% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | US Citizen | $5,012.93 | 1 | XXXXX | $2,902.08 | XXXXX | $241.84 | 33.008% | 33.008% | 33.008% | 04/09/2026 | 676 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $10,219.04 | 6.370% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117686 | XXXXX | Non QM | Yes | No | $2,244.00 | $5,488.90 | 6.401% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $52,961.60 | 1 | XXXXX | $3,699.96 | XXXXX | $308.33 | 23.224% | 23.224% | 23.224% | 02/17/2026 | 796 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,244.00 | 6.100% | $0.00 | 1.7 | None | Yes | No | 6.375% | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 57.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125262 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $1,121.52 | XXXXX | $93.46 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 78.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123363 | XXXXX | N/A | No | No | $29,444.00 | $16,961.00 | 8.000% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed | US Citizen | $15,373.98 | 1 | XXXXX | $1,443.96 | XXXXX | $120.33 | 37.912% | 37.912% | 37.912% | 03/06/2026 | 804 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $29,444.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 40.320% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122210 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $951.00 | XXXXX | $79.25 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | 360 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 41.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120798 | XXXXX | Non QM | Yes | No | $23,710.52 | $25,332.23 | 6.441% | XXXXX | XXXXX | 6.250% | No | No | Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXXXX | XXXXX | $27,219.75 | 1 | XXXXX | $4,902.00 | XXXXX | $408.50 | 32.190% | 32.190% | 32.190% | 03/02/2026 | 722 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2020 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $23,710.52 | 5.980% | $0.00 | 4.0 | None | No | No | 6.250% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 30.150% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 16.65 | No | $32,270.24 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125466 | XXXXX | Non QM | Yes | No | $7,177.50 | $9,992.24 | 7.320% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $41,389.95 | 1 | XXXXX | $1,845.60 | XXXXX | $153.80 | 10.457% | 10.457% | 10.457% | 02/27/2026 | 746 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; 1065 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; 1065 - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,177.50 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124349 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,560.00 | XXXXX | $130.00 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 796 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXXX | XXXXX | 1.680% | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125919 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,530.96 | XXXXX | $127.58 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 470.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123707 | XXXXX | Non QM | Yes | No | $12,192.68 | $13,251.52 | 6.894% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $5,329.30 | 1 | XXXXX | $326.04 | XXXXX | $27.17 | 46.456% | 46.456% | 46.456% | 03/11/2026 | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $12,192.68 | 6.430% | $0.00 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 23.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 17.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124033 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $2,384.88 | XXXXX | $198.74 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 695 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 94.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124626 | XXXXX | Non QM | Yes | No | $1,468.00 | $2,919.00 | 6.804% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $4,126.97 | 1 | XXXXX | $1,376.76 | XXXXX | $114.73 | 46.995% | 46.995% | 46.995% | 04/07/2026 | 798 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,468.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 46.350% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124216 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $1,259.16 | XXXXX | $104.93 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 713 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.39 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122111 | XXXXX | Non QM | Yes | No | $2,376.00 | $3,601.11 | 6.530% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $21,914.53 | 1 | XXXXX | $2,453.04 | XXXXX | $204.42 | 32.720% | 32.720% | 32.720% | 03/16/2026 | 704 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXXX | $2,376.00 | 6.120% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.23 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122937 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $1,293.96 | XXXXX | $107.83 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.2 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124554 | XXXXX | N/A | No | No | $20,376.00 | $13,528.94 | 8.081% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed | US Citizen | $7,823.48 | 2 | XXXXX | $1,743.00 | XXXXX | $145.25 | 30.888% | 30.888% | 30.888% | 01/28/2026 | 702 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $20,376.00 | 6.430% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.93 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124652 | XXXXX | Non QM | Yes | No | $13,321.50 | $16,570.32 | 6.746% | XXXXX | XXXXX | 6.375% | No | No | Employed | US Citizen | $3,778.75 | 1 | XXXXX | $1,467.96 | XXXXX | $122.33 | 48.806% | 48.806% | 48.806% | 02/18/2026 | 777 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $13,321.50 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 29.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000651 | Non QM | Yes | No | $20,725.00 | $32,763.56 | 6.988% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $24,148.17 | 1 | XXXXX | $10,947.24 | XXXXX | $912.27 | 45.562% | 45.562% | 45.562% | 03/24/2026 | 806 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $20,725.00 | 6.430% | $0.00 | 1.0 | None | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 98.220% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 117.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125062 | XXXXX | N/A | No | No | $47,097.79 | $24,065.02 | 7.169% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | US Citizen | $259,264.45 | 4 | XXXXX | $4,484.04 | XXXXX | $373.67 | 15.109% | 15.109% | 15.844% | 03/17/2026 | 777 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $47,097.79 | 6.430% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | 240 | XXXXX | XXXXX | 1.920% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 74.09 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122316 | XXXXX | Non QM | Yes | No | $21,812.37 | $23,837.82 | 8.949% | XXXXX | XXXXX | 8.375% | No | No | Self-Employed | US Citizen | $8,054.41 | 1 | XXXXX | $2,424.00 | XXXXX | $202.00 | 37.643% | 37.643% | 37.643% | 02/25/2026 | 681 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $21,812.37 | 6.120% | $0.00 | 1.5 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 50.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121706 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,098.00 | XXXXX | $91.50 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 703 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.84 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.37 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120434 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.137% | No | No | US Citizen | 1 | XXXXX | $1,252.80 | XXXXX | $104.40 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 7.137% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124876 | XXXXX | Non QM | Yes | No | $23,361.09 | $810.15 | 6.759% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $12,891.24 | 1 | XXXXX | $1,146.96 | XXXXX | $95.58 | 45.726% | 45.726% | 45.726% | 02/25/2026 | 784 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $23,361.09 | 6.430% | $37,095.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 25.280% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120679 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $918.00 | XXXXX | $76.50 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 777 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 34.090% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 58.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122704 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.000% | No | No | US Citizen | 3 | XXXXX | $2,019.00 | XXXXX | $168.25 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 670 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123926 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $1,539.00 | XXXXX | $128.25 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 107.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125724 | XXXXX | Non QM | Yes | No | $2,770.00 | $3,749.88 | 6.812% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $9,671.78 | 1 | XXXXX | $1,479.00 | XXXXX | $123.25 | 34.650% | 34.650% | 34.650% | 03/04/2026 | 786 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,770.00 | 6.370% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000573 | Non QM | Yes | No | $1,595.00 | $0.00 | 6.495% | XXXXX | XXXXX | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,482.06 | 1 | XXXXX | $3,165.00 | XXXXX | $263.75 | 51.724% | 51.724% | 51.724% | 03/10/2026 | 748 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.370% | $20,200.00 | 1.0 | None | Yes | No | 6.500% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 338.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000574 | Non QM | Yes | No | $1,595.00 | $7,747.63 | 6.288% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | US Citizen | $67,870.50 | 1 | XXXXX | $1,371.00 | XXXXX | $114.25 | 22.684% | 19.094% | 22.684% | 03/19/2026 | 751 | No | Yes | 24 | Business | 100.000% | 33.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.370% | $0.00 | 1.2 | None | N/A | No | 6.250% | 0 | 0 | 0 | 5 | 0 | 24 | 0.00 | No | 240 | XXXXX | XXXXX | 9.230% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 54.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126121 | XXXXX | Non QM | Yes | No | $2,570.00 | $3,137.27 | 6.935% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $4,618.78 | 1 | XXXXX | $432.96 | XXXXX | $36.08 | 43.674% | 43.674% | 43.674% | 04/09/2026 | 735 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,570.00 | 6.370% | $0.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 131.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125597 | XXXXX | Non QM | Yes | No | $10,856.00 | $12,551.85 | 8.298% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed | US Citizen | $5,837.89 | 1 | XXXXX | $1,542.24 | XXXXX | $128.52 | 37.451% | 37.451% | 37.451% | 02/25/2026 | 762 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $10,856.00 | 6.370% | $0.00 | 1.6 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124493 | XXXXX | Non QM | Yes | No | $19,501.00 | $21,115.06 | 8.179% | XXXXX | XXXXX | 7.875% | No | No | Employed | US Citizen | $9,912.57 | 2 | XXXXX | $2,771.40 | XXXXX | $230.95 | 40.226% | 40.226% | 40.226% | 03/11/2026 | 672 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $19,501.00 | 6.430% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125101 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $1,890.00 | XXXXX | $157.50 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.65 | 1.54 | XXXXX | XXXXX | 99.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 158.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124394 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $1,901.64 | XXXXX | $158.47 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 484.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120875 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 2 | XXXXX | $3,315.00 | XXXXX | $276.25 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 706 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124967 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.178% | No | No | Permanent Resident Alien | 1 | XXXXX | $3,139.92 | XXXXX | $261.66 | 0.000% | 0.000% | 0.000% | 04/06/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.178% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.64 | 1.57 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125345 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.950% | No | No | US Citizen | 1 | XXXXX | $4,347.96 | XXXXX | $362.33 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.950% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO 8 | FICO Risk Score Classic 04 | No | 11.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121115 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.740% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $315.96 | XXXXX | $26.33 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 787 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.740% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 60.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127098 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $240.00 | XXXXX | $20.00 | 0.000% | 0.000% | 0.000% | 04/06/2026 | 703 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 56.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125612 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $2,172.96 | XXXXX | $181.08 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 40.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124140 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,063.44 | XXXXX | $88.62 | 0.000% | 0.000% | 0.000% | 03/21/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXXX | XXXXX | 80.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 84.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124454 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $1,691.76 | XXXXX | $140.98 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 122.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122789 | XXXXX | Non QM | Yes | No | $30,073.00 | $31,983.14 | 6.565% | XXXXX | XXXXX | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $27,466.81 | 1 | XXXXX | $10,348.44 | XXXXX | $862.37 | 47.285% | 47.285% | 47.285% | 03/17/2026 | 765 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $30,073.00 | 6.120% | $0.00 | 1.0 | None | N/A | No | 6.250% | 1 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 43.250% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.11 | No | No | $0.00 | $37,937.51 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127158 | XXXXX | N/A | No | No | $21,504.37 | $6,292.84 | 6.710% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $13,845.26 | 1 | XXXXX | $1,464.00 | XXXXX | $122.00 | 30.462% | 30.462% | 30.462% | 04/16/2026 | 809 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $21,504.37 | 6.300% | $0.00 | 2.5 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 27.00 | No | XXXXX | XXXXX | 31.710% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 10.45 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125894 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | Permanent Resident Alien | 1 | XXXXX | $979.32 | XXXXX | $81.61 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 129.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125598 | XXXXX | Non QM | Yes | No | $13,093.50 | $14,929.86 | 7.477% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $14,627.06 | 3 | XXXXX | $941.28 | XXXXX | $78.44 | 30.212% | 30.212% | 30.212% | 03/05/2026 | 762 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $13,093.50 | 6.370% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124688 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | 0 | Permanent Resident Alien | Non-Permanent Resident Alien | 1 | XXXXX | $1,599.24 | XXXXX | $133.27 | 0.000% | 0.000% | 0.000% | 02/27/2026 | 791 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.45 | 2.24 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121902 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $5,080.68 | XXXXX | $423.39 | 0.000% | 0.000% | 0.000% | 03/16/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 248.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124509 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.624% | No | No | US Citizen | 2 | XXXXX | $3,676.56 | XXXXX | $306.38 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 679 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124711 | XXXXX | Non QM | Yes | No | $2,390.00 | $3,641.23 | 6.545% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $18,778.92 | 1 | XXXXX | $1,281.00 | XXXXX | $106.75 | 23.705% | 23.705% | 23.705% | 03/06/2026 | 761 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,390.00 | 6.430% | $0.00 | 2.4 | None | No | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123651 | XXXXX | Non QM | Yes | No | $8,721.00 | $9,375.49 | 8.565% | XXXXX | XXXXX | 8.250% | No | No | Employed | US Citizen | $10,725.10 | 1 | XXXXX | $4,400.04 | XXXXX | $366.67 | 40.416% | 40.416% | 40.416% | 03/12/2026 | 675 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,721.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 90.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124641 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.125% | No | No | US Citizen | 2 | XXXXX | $4,149.00 | XXXXX | $345.75 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 817 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | 52.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124580 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $1,665.00 | XXXXX | $138.75 | 0.000% | 0.000% | 0.000% | 04/06/2026 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | XXXXX | 95.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 102.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126062 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,302.36 | XXXXX | $108.53 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXXX | XXXXX | 61.890% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123473 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $3,512.40 | XXXXX | $292.70 | 0.000% | 0.000% | 0.000% | 04/21/2026 | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXXX | XXXXX | 66.060% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 49.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126633 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | US Citizen | 1 | XXXXX | $866.04 | XXXXX | $72.17 | 0.000% | 0.000% | 0.000% | 04/17/2026 | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 59.410% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125934 | XXXXX | Non QM | Yes | No | $1,750.00 | $3,148.39 | 6.522% | XXXXX | XXXXX | 6.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $17,717.55 | 1 | XXXXX | $3,171.00 | XXXXX | $264.25 | 33.555% | 33.555% | 33.555% | 03/30/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,750.00 | 6.370% | $0.00 | 1.5 | None | No | No | 6.500% | 3 | 3 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.94 | No | No | $20,123.89 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124114 | XXXXX | Non QM | Yes | No | $2,445.00 | $7,567.66 | 7.422% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $27,062.60 | 2 | XXXXX | $3,135.96 | XXXXX | $261.33 | 29.500% | 29.500% | 29.500% | 03/26/2026 | 787 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,445.00 | 6.430% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 14.00 | No | XXXXX | XXXXX | 19.650% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125665 | XXXXX | Non QM | Yes | No | $6,155.00 | $6,978.12 | 7.148% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $3,701.12 | 1 | XXXXX | $1,695.96 | XXXXX | $141.33 | 33.909% | 33.909% | 33.909% | 03/20/2026 | 806 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,155.00 | 6.370% | $253,834.50 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 262.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123914 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $3,311.64 | XXXXX | $275.97 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 817 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.53 | XXXXX | XXXXX | 99.450% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 65.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AH | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126411 | XXXXX | Non QM | Yes | No | $13,165.00 | $15,417.19 | 7.939% | XXXXX | XXXXX | 8.639% | No | No | Self-Employed | US Citizen | $11,107.05 | 1 | XXXXX | $1,487.76 | XXXXX | $123.98 | 34.392% | 33.200% | 34.392% | 04/17/2026 | 765 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $13,165.00 | 6.210% | $0.00 | None | Yes | No | 8.639% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 45.720% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124582 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $1,551.96 | XXXXX | $129.33 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126084 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $2,511.00 | XXXXX | $209.25 | 0.000% | 0.000% | 0.000% | 01/22/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 70.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125429 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $1,071.96 | XXXXX | $89.33 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 59.910% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125469 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $2,987.40 | XXXXX | $248.95 | 0.000% | 0.000% | 0.000% | 04/10/2026 | 810 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.19 | Yes | 18.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124785 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,706.96 | XXXXX | $225.58 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 692 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 179.23 | Yes | 18.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121273 | XXXXX | Non QM | Yes | No | $4,165.00 | $5,175.97 | 6.879% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income | US Citizen | $20,758.21 | 1 | XXXXX | $1,369.32 | XXXXX | $114.11 | 11.688% | 11.688% | 11.688% | 03/02/2026 | 748 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $4,165.00 | 6.020% | $12,000.00 | 1.2 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1200.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124292 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 2 | XXXXX | $2,087.28 | XXXXX | $173.94 | 0.000% | 0.000% | 0.000% | 04/02/2026 | 769 | No | No | DSCR | 2 | 0 | 0 | 0 | Yes | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.76 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125275 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | US Citizen | 1 | XXXXX | $2,718.24 | XXXXX | $226.52 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 87.830% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 82.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125479 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.734% | No | No | Permanent Resident Alien | 3 | XXXXX | $2,461.32 | XXXXX | $205.11 | 0.000% | 0.000% | 0.000% | 02/27/2026 | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.734% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXXX | XXXXX | 43.750% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125592 | XXXXX | Non QM | Yes | No | $9,981.00 | $13,223.64 | 7.010% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $9,277.96 | 1 | XXXXX | $483.96 | XXXXX | $40.33 | 22.909% | 22.909% | 22.909% | 04/09/2026 | 784 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $9,981.00 | 6.370% | $10,000.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 30.240% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125615 | XXXXX | Non QM | Yes | No | $1,649.00 | $3,475.52 | 6.862% | XXXXX | XXXXX | 6.849% | No | No | Self-Employed | US Citizen | $50,293.68 | 1 | XXXXX | $8,167.92 | XXXXX | $680.66 | 28.796% | 28.796% | 28.796% | 03/02/2026 | 796 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,649.00 | 6.370% | $0.00 | None | N/A | No | 6.849% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 61.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.53 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126189 | XXXXX | Non QM | Yes | No | $5,376.00 | $7,265.50 | 7.253% | XXXXX | XXXXX | 7.000% | No | No | Employed | Permanent Resident Alien | $4,957.19 | 1 | XXXXX | $1,410.12 | XXXXX | $117.51 | 45.123% | 45.123% | 45.123% | 03/23/2026 | 764 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,376.00 | 6.370% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.000% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121467 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $2,313.00 | XXXXX | $192.75 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.9 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 122.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125477 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $2,436.96 | XXXXX | $203.08 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 674 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123471 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.125% | No | No | US Citizen | 1 | XXXXX | $1,611.00 | XXXXX | $134.25 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 33.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123744 | XXXXX | Non QM | Yes | No | $1,495.00 | $2,455.95 | 7.079% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $3,899.40 | 1 | XXXXX | $3,410.04 | XXXXX | $284.17 | 41.837% | 41.837% | 41.837% | 03/27/2026 | 755 | No | Yes | 12 | Business | 54.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,495.00 | 6.430% | $0.00 | 1.0 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.46 | No | $3,082.40 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121464 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $2,037.96 | XXXXX | $169.83 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 664 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A99 | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125398 | XXXXX | Non QM | Yes | No | $2,069.00 | $2,298.49 | 6.653% | XXXXX | XXXXX | 6.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | Permanent Resident Alien | $3,958.25 | 1 | XXXXX | $792.00 | XXXXX | $66.00 | 43.296% | 43.296% | 43.296% | 03/04/2026 | 804 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $2,069.00 | 6.370% | $5,000.00 | 2.3 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 92.800% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 89.16 | Yes | No | $2,494.70 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126262 | XXXXX | Non QM | Yes | No | $3,640.00 | $4,281.73 | 7.050% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $4,718.10 | 1 | XXXXX | $1,215.24 | XXXXX | $101.27 | 32.599% | 32.599% | 32.599% | 03/04/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,640.00 | 6.300% | $0.00 | 1.3 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 46.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124377 | XXXXX | Non QM | Yes | No | $2,390.00 | $7,507.52 | 6.797% | XXXXX | XXXXX | 6.750% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $14,269.32 | 1 | XXXXX | $2,452.56 | XXXXX | $204.38 | 49.723% | 49.723% | 49.723% | 04/02/2026 | 757 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,390.00 | 6.430% | $10,000.00 | 2.2 | None | Yes | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 11.990% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 15.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123705 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | US Citizen | 1 | XXXXX | $1,002.00 | XXXXX | $83.50 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 813 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 37.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126198 | XXXXX | Non QM | Yes | No | $11,658.97 | $5,172.93 | 7.014% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $5,233.13 | 1 | XXXXX | $1,074.96 | XXXXX | $89.58 | 41.695% | 41.695% | 41.695% | 04/23/2026 | 773 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $11,658.97 | 6.370% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 75.900% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 58.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122591 | XXXXX | N/A | Yes | No | Yes | $0.00 | 6.873% | XXXXX | XXXXX | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,127.90 | 1 | XXXXX | $2,769.00 | XXXXX | $230.75 | 49.123% | 49.123% | 49.123% | 03/10/2026 | 806 | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | 6.120% | $1,660.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 0 | 2 | 0 | 4 | 1 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 148.33 | No | No | $2,547.58 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124111 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.375% | No | No | US Citizen | 1 | XXXXX | $1,493.04 | XXXXX | $124.42 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.06 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116904 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,385.04 | XXXXX | $115.42 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.4 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123682 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.080% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $852.96 | XXXXX | $71.08 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 813 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 7.080% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125233 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 2 | XXXXX | $2,649.96 | XXXXX | $220.83 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.71 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 65.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123988 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | US Citizen | US Citizen | 1 | XXXXX | $9,264.48 | XXXXX | $772.04 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.55 | 1.81 | XXXXX | XXXXX | 86.720% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 78.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125208 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $1,308.00 | XXXXX | $109.00 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | XXXXX | 70.410% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125050 | XXXXX | Non QM | Yes | No | $2,490.00 | $8,801.07 | 6.563% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $13,511.31 | 1 | XXXXX | $3,836.52 | XXXXX | $319.71 | 45.132% | 45.132% | 45.132% | 03/30/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.430% | $5,000.00 | 1.5 | None | N/A | No | 6.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 55.260% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.55 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124944 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 1 | XXXXX | $2,453.04 | XXXXX | $204.42 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 30.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125066 | XXXXX | N/A | No | No | $30,976.00 | $6,467.40 | 6.933% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $37,183.53 | 1 | XXXXX | $3,075.12 | XXXXX | $256.26 | 44.708% | 44.708% | 44.708% | 03/31/2026 | 783 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $30,976.00 | 6.430% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 17.740% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.42 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124290 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $2,495.40 | XXXXX | $207.95 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 775 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 11.41 | Yes | 18.000% | 90 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124358 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $12,620.00 | $14,051.82 | 7.205% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $4,701.98 | 2 | XXXXX | $3,875.04 | XXXXX | $322.92 | 49.980% | 49.980% | 49.980% | 03/25/2026 | 702 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $12,620.00 | 6.430% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125200 | XXXXX | Non QM | Yes | No | $1,570.00 | $6,340.23 | 6.821% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $10,818.84 | 1 | XXXXX | $3,441.96 | XXXXX | $286.83 | 41.874% | 41.874% | 41.874% | 04/08/2026 | 787 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,570.00 | 6.430% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 11.560% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124984 | XXXXX | Non QM | Yes | No | $1,690.00 | $3,088.53 | 7.453% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $22,534.47 | 1 | XXXXX | $1,407.00 | XXXXX | $117.25 | 16.831% | 16.831% | 16.831% | 03/11/2026 | 737 | No | Yes | 36 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 6.430% | $1,500.00 | 1.6 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 17.110% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 29.2 | No | $17,029.31 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124741 | XXXXX | Non QM | Yes | No | $1,735.00 | $6,791.24 | 7.404% | XXXXX | XXXXX | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,200.52 | 1 | XXXXX | $3,879.12 | XXXXX | $323.26 | 43.997% | 36.937% | 43.997% | 04/09/2026 | 802 | No | No | [Borrower - |
Primary Income - Projected Income]; Employer Letter - 2026 [Borrower - | Primary Income - Projected Income]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,735.00 | 6.430% | $0.00 | 2.7 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 144.41 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126934 | XXXXX | Non QM | Yes | No | $37,550.00 | $48.32 | 7.006% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | US Citizen | $27,939.37 | 1 | XXXXX | $4,610.04 | XXXXX | $384.17 | 45.027% | 45.027% | 45.027% | 04/10/2026 | 755 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $37,550.00 | 6.300% | $0.00 | 1.2 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.66 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125480 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 1 | XXXXX | $497.04 | XXXXX | $41.42 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | XXXXX | XXXXX | 19.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 3.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126388 | XXXXX | Non QM | Yes | No | $6,323.00 | $11,107.38 | 6.620% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | Permanent Resident Alien | $6,314.70 | 1 | XXXXX | $974.04 | XXXXX | $81.17 | 34.749% | 34.749% | 34.749% | 04/15/2026 | 760 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $6,323.00 | 6.300% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 62.170% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 23.8 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000683 | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,091.40 | XXXXX | $90.95 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 229.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125514 | XXXXX | Non QM | Yes | No | $2,565.00 | $5,492.25 | 6.480% | XXXXX | XXXXX | 6.375% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $14,732.47 | 1 | XXXXX | $1,779.36 | XXXXX | $148.28 | 24.449% | 24.449% | 24.449% | 04/10/2026 | 731 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.370% | $3,000.00 | 2.2 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 55.700% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 16.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125131 | XXXXX | Non QM | Yes | No | $2,481.00 | $13,056.39 | 7.439% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $23,412.09 | 4 | XXXXX | $4,576.08 | XXXXX | $381.34 | 30.219% | 30.219% | 30.219% | 04/09/2026 | 787 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,481.00 | 6.430% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 15.360% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 2.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124650 | XXXXX | Non QM | Yes | No | $25,726.00 | $30,812.25 | 8.163% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed | US Citizen | $14,777.70 | 2 | XXXXX | $2,112.00 | XXXXX | $176.00 | 41.086% | 41.086% | 41.086% | 03/05/2026 | 751 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $25,726.00 | 6.430% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127115 | XXXXX | Non QM | Yes | No | $2,662.10 | $6,939.65 | 7.033% | XXXXX | XXXXX | 6.875% | No | No | Non-Employment Income | US Citizen | $3,180.63 | 1 | XXXXX | $409.92 | XXXXX | $34.16 | 49.670% | 40.248% | 49.670% | 04/21/2026 | 786 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $2,662.10 | 6.300% | $0.00 | 2.0 | None | Yes | No | 6.875% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | Yes | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 260.51 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125451 | XXXXX | Non QM | Yes | No | $3,485.00 | $4,958.60 | 6.821% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $18,205.72 | 1 | XXXXX | $1,528.08 | XXXXX | $127.34 | 31.239% | 31.239% | 31.239% | 04/14/2026 | 799 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,485.00 | 6.370% | $4,626.44 | 1.6 | None | No | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 340.88 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125146 | XXXXX | Non QM | Yes | No | $1,790.00 | $7,142.16 | 6.787% | XXXXX | XXXXX | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,538.39 | 1 | XXXXX | $1,607.04 | XXXXX | $133.92 | 48.176% | 48.176% | 48.176% | 04/13/2026 | 794 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 78.860% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 88.09 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124795 | XXXXX | Non QM | Yes | No | $6,417.85 | $0.00 | 6.881% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $7,898.35 | 1 | XXXXX | $1,855.08 | XXXXX | $154.59 | 39.244% | 39.244% | 39.244% | 03/25/2026 | 734 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,417.85 | 6.430% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120597 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | 0 | Non-Permanent Resident Alien | Permanent Resident Alien | 1 | XXXXX | $1,406.04 | XXXXX | $117.17 | 0.000% | 0.000% | 0.000% | 01/09/2026 | 763 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.23 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125529 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $3,279.96 | XXXXX | $273.33 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 819 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127420 | XXXXX | Non QM | Yes | No | $16,463.50 | $20,240.02 | 7.831% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $5,862.34 | 1 | XXXXX | $1,903.20 | XXXXX | $158.60 | 37.189% | 37.189% | 37.189% | 03/11/2026 | 747 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $16,463.50 | 6.430% | $0.00 | 1.8 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123247 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $2,070.24 | XXXXX | $172.52 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXXX | XXXXX | 31.310% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120936 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,022.04 | XXXXX | $85.17 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 770 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | XXXXX | XXXXX | 1.050% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127171 | XXXXX | Non QM | Yes | No | $5,805.00 | $8,887.50 | 6.996% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $5,649.85 | 1 | XXXXX | $1,110.96 | XXXXX | $92.58 | 34.608% | 34.608% | 34.608% | 04/10/2026 | 771 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,805.00 | 6.300% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 33.680% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125765 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.000% | No | No | Permanent Resident Alien | 2 | XXXXX | $1,190.04 | XXXXX | $99.17 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | 54.140% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000673 | Non QM | Yes | No | $9,917.50 | $14,314.27 | 7.451% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | US Citizen | $21,410.66 | 4 | XXXXX | $2,760.00 | XXXXX | $230.00 | 26.837% | 26.837% | 26.837% | 03/26/2026 | 739 | No | Yes | 12 | Business | 100.000% | 70.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $9,917.50 | 6.300% | $0.00 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127748 | XXXXX | N/A | No | No | $17,213.75 | $8,863.63 | 7.321% | XXXXX | XXXXX | 7.125% | No | No | Employed | Permanent Resident Alien | $8,924.19 | 1 | XXXXX | $866.04 | XXXXX | $72.17 | 33.895% | 33.895% | 33.895% | 04/06/2026 | 712 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $17,213.75 | 6.260% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 86.1 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127401 | XXXXX | Non QM | Yes | No | $7,985.00 | $11,027.29 | 7.547% | XXXXX | XXXXX | 7.375% | No | No | Employed | US Citizen | $7,699.78 | 2 | XXXXX | $1,627.80 | XXXXX | $135.65 | 40.033% | 40.033% | 40.033% | 04/28/2026 | 729 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,985.00 | 6.300% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124158 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $4,430.04 | XXXXX | $369.17 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.46 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127083 | XXXXX | Non QM | Yes | No | $2,565.00 | $8,812.78 | 7.084% | XXXXX | XXXXX | 7.000% | No | No | Employed | US Citizen | $11,120.76 | 1 | XXXXX | $864.60 | XXXXX | $72.05 | 32.602% | 32.602% | 32.602% | 04/16/2026 | 718 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.300% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 6.610% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127390 | XXXXX | Non QM | Yes | No | $10,028.50 | $12,085.06 | 7.526% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | US Citizen | $4,826.39 | 1 | XXXXX | $2,060.52 | XXXXX | $171.71 | 35.684% | 35.684% | 35.684% | 03/21/2026 | 722 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 1 | 0 | 0 | 0 | No | XXXXX | $10,028.50 | 6.300% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126605 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $2,442.24 | XXXXX | $203.52 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 798 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.49 | 2.06 | XXXXX | XXXXX | 47.640% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127484 | XXXXX | Non QM | Yes | No | $11,600.00 | $6,547.70 | 6.907% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $15,507.92 | 1 | XXXXX | $3,387.36 | XXXXX | $282.28 | 45.093% | 45.093% | 45.093% | 04/17/2026 | 759 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $11,600.00 | 6.260% | $20,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 27.00 | No | XXXXX | XXXXX | 10.430% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.59 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125379 | XXXXX | Non QM | Yes | No | $3,452.28 | $7,186.52 | 6.440% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | US Citizen | $13,315.12 | 1 | XXXXX | $3,231.96 | XXXXX | $269.33 | 46.060% | 46.060% | 46.060% | 02/24/2026 | 756 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet
Search / Directory Assistance - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,452.28 | 6.370% | $0.00 | 2.5 | None | No | No | 6.375% | 0 | 2 | 0 | 2 | 3 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 68.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125229 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | US Citizen | 1 | XXXXX | $2,550.96 | XXXXX | $212.58 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000724 | Non QM | Yes | No | $3,090.00 | $5,593.00 | 7.516% | XXXXX | XXXXX | 7.375% | No | No | Employed | US Citizen | $19,102.29 | 1 | XXXXX | $2,757.96 | XXXXX | $229.83 | 15.101% | 15.101% | 15.101% | 04/05/2026 | 770 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,090.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 94.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125346 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $6,588.00 | XXXXX | $549.00 | 0.000% | 0.000% | 0.000% | 04/10/2026 | 811 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1736.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123012 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $1,506.00 | XXXXX | $125.50 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 786 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 47.670% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 30.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125507 | XXXXX | Non QM | Yes | No | $2,565.00 | $7,693.65 | 6.741% | XXXXX | XXXXX | 6.625% | No | No | Employed | Permanent Resident Alien | $11,340.31 | 1 | XXXXX | $0.00 | XXXXX | $0.00 | 35.198% | 35.198% | 35.198% | 05/06/2026 | 772 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.370% | $23,250.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 13.070% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 2.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124165 | XXXXX | Non QM | Yes | No | $5,941.40 | $8,372.06 | 7.129% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $32,404.43 | 1 | XXXXX | $2,820.96 | XXXXX | $235.08 | 44.499% | 44.499% | 44.499% | 03/30/2026 | 763 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,941.40 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.875% | 3 | 3 | 2 | 0 | 3 | 2 | 12.00 | No | XXXXX | XXXXX | 3.000% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.25 | No | No | $0.00 | $13,333.33 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126177 | XXXXX | N/A | No | No | $29,768.06 | $15,802.30 | 8.086% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed | US Citizen | $19,644.41 | 3 | XXXXX | $1,319.04 | XXXXX | $109.92 | 38.631% | 38.631% | 38.631% | 03/08/2026 | 756 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $29,768.06 | 6.370% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 28.840% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.64 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125943 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 1 | XXXXX | $2,013.00 | XXXXX | $167.75 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.65 | 1.55 | XXXXX | XXXXX | 66.070% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126134 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | XXXXX | $2,190.96 | XXXXX | $182.58 | 0.000% | 0.000% | 0.000% | 04/15/2026 | 739 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | 1.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122535 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $3,414.00 | XXXXX | $284.50 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127482 | XXXXX | Non QM | Yes | No | $11,365.00 | $0.00 | 6.962% | XXXXX | XXXXX | 7.000% | No | No | Employed | US Citizen | $8,194.57 | 1 | XXXXX | $1,966.44 | XXXXX | $163.87 | 45.370% | 45.370% | 45.370% | 04/15/2026 | 718 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,365.00 | 6.260% | $27,624.23 | 1.4 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124952 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $2,002.32 | XXXXX | $166.86 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.7 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | 35.200% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124329 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 2 | XXXXX | $1,658.04 | XXXXX | $138.17 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 784 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 38.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124901 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,386.48 | XXXXX | $115.54 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 684 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 127.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125812 | XXXXX | Non QM | Yes | No | $4,030.00 | $6,730.00 | 6.868% | XXXXX | XXXXX | 6.750% | No | No | Employed | US Citizen | $6,147.64 | 1 | XXXXX | $1,314.12 | XXXXX | $109.51 | 37.689% | 37.689% | 37.689% | 04/29/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,030.00 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128456 | XXXXX | Non QM | Yes | No | $10,340.00 | $17,252.00 | 6.679% | XXXXX | XXXXX | 6.500% | No | No | Employed | Permanent Resident Alien | $8,382.73 | 1 | XXXXX | $1,375.44 | XXXXX | $114.62 | 45.256% | 45.256% | 45.256% | 04/16/2026 | 742 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,340.00 | 6.260% | $3,000.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 9.620% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 11.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000500 | Non QM | Yes | No | $1,595.00 | $5,427.70 | 6.423% | XXXXX | XXXXX | 6.375% | No | No | Non-Employment Income | US Citizen | $8,974.44 | 1 | XXXXX | $1,309.20 | XXXXX | $109.10 | 38.685% | 38.685% | 38.685% | 02/27/2026 | 781 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.370% | $0.00 | 1.0 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 244.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125315 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | 0 | 0 | US Citizen | US Citizen | 2 | XXXXX | $4,197.84 | XXXXX | $349.82 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 773 | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.87 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124004 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $1,349.04 | XXXXX | $112.42 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 396.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128788 | XXXXX | Non QM | Yes | No | $2,565.00 | $10,268.75 | 7.873% | XXXXX | XXXXX | 8.639% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $10,914.31 | 1 | XXXXX | $2,703.60 | XXXXX | $225.30 | 44.537% | 43.804% | 44.537% | 04/30/2026 | 767 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.200% | $0.00 | 2.1 | None | N/A | No | 8.639% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 9.650% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 4.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124976 | XXXXX | Non QM | Yes | No | $4,255.00 | $9,325.21 | 7.970% | XXXXX | XXXXX | 8.639% | No | No | Self-Employed | US Citizen | $55,406.92 | 1 | XXXXX | $6,999.96 | XXXXX | $583.33 | 37.992% | 35.691% | 37.992% | 04/07/2026 | 762 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $4,255.00 | 6.210% | $0.00 | 2.9 | None | Yes | No | 8.639% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | XXXXX | XXXXX | 44.170% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.62 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126952 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $1,699.32 | XXXXX | $141.61 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.55 | 1.82 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125348 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.875% | No | No | US Citizen | 1 | XXXXX | $1,127.88 | XXXXX | $93.99 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXXX | XXXXX | 5.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124623 | XXXXX | Non QM | Yes | No | $32,900.40 | $18,152.18 | 7.963% | XXXXX | XXXXX | 7.750% | No | No | Employed | US Citizen | $10,242.56 | 1 | XXXXX | $2,381.04 | XXXXX | $198.42 | 44.635% | 44.635% | 44.635% | 03/19/2026 | 721 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $32,900.40 | 6.430% | $0.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000538 | Non QM | Yes | No | $22,465.00 | $23,561.58 | 6.666% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | US Citizen | $19,752.37 | 1 | XXXXX | $3,411.60 | XXXXX | $284.30 | 45.637% | 45.637% | 45.637% | 02/27/2026 | 718 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 2 | 0 | 0 | 0 | No | XXXXX | $22,465.00 | 6.430% | $0.00 | 2.6 | None | No | No | 6.500% | 2 | 3 | 0 | 4 | 2 | 1.90 | No | XXXXX | XXXXX | 26.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.12 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125751 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | Permanent Resident Alien | 2 | XXXXX | $1,885.92 | XXXXX | $157.16 | 0.000% | 0.000% | 0.000% | 05/04/2026 | 784 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | XXXXX | 51.880% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 38.91 | Yes | 18.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000706 | Non QM | Yes | No | $1,495.00 | $3,229.26 | 5.723% | XXXXX | XXXXX | 5.625% | No | No | Self-Employed | US Citizen | $4,485.83 | 1 | XXXXX | $978.00 | XXXXX | $81.50 | 41.308% | 41.308% | 41.308% | 04/21/2026 | 759 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | Yes | XXXXX | $1,495.00 | 6.300% | $6,205.62 | 1.0 | None | Yes | No | 5.625% | 0 | 0 | 0 | 3 | 0 | No | XXXXX | XXXXX | 44.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000721 | Non QM | Yes | No | $1,695.00 | $4,123.54 | 6.300% | XXXXX | XXXXX | 6.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $10,748.25 | 1 | XXXXX | $2,208.00 | XXXXX | $184.00 | 40.532% | 40.532% | 40.532% | 04/15/2026 | 820 | No | No | [Borrower - |
Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,695.00 | 6.300% | $0.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 63.600% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.48 | Yes | No | $6,971.31 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000585 | N/A | No | No | $35,234.00 | $14,136.87 | 7.307% | XXXXX | XXXXX | 7.250% | No | No | Not Employed | Employed | US Citizen | $13,651.20 | 1 | XXXXX | $2,128.80 | XXXXX | $177.40 | 48.974% | 48.974% | 48.974% | 03/24/2026 | 734 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $35,234.00 | 6.220% | $20,000.00 | 4.6 | None | No | No | 7.250% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 214.57 | No | No | $0.00 | $26,666.64 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000662 | N/A | No | No | $18,264.00 | $11,116.50 | 8.245% | XXXXX | XXXXX | 7.875% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | XXXXX | $9,814.21 | 1 | XXXXX | $2,583.96 | XXXXX | $215.33 | 42.849% | 42.849% | 42.849% | 03/19/2026 | 668 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $18,264.00 | 6.430% | $0.00 | 3.2 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 0.400% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 33.28 | No | No | $17,172.42 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127149 | XXXXX | Non QM | Yes | No | $10,326.00 | $14,220.55 | 6.981% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $9,212.01 | 1 | XXXXX | $552.96 | XXXXX | $46.08 | 28.617% | 28.617% | 28.617% | 04/22/2026 | 719 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $10,326.00 | 6.300% | $100.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 96.060% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 96.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126412 | XXXXX | Non QM | Yes | No | $2,565.00 | $3,773.87 | 6.460% | XXXXX | XXXXX | 6.375% | No | No | Employed | Non-Permanent Resident Alien | XXXXX | $10,945.81 | 1 | XXXXX | $1,099.44 | XXXXX | $91.62 | 21.816% | 21.816% | 21.816% | 03/30/2026 | 707 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.300% | $0.00 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 0.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125944 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,448.28 | XXXXX | $120.69 | 0.000% | 0.000% | 0.000% | 01/28/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 41.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121886 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $3,891.00 | XXXXX | $324.25 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.07 | Yes | 18.000% | 10 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124584 | XXXXX | Non QM | Yes | No | $1,468.00 | $3,428.14 | 6.575% | XXXXX | XXXXX | 6.500% | No | No | Employed | US Citizen | $4,530.23 | 1 | XXXXX | $411.96 | XXXXX | $34.33 | 42.655% | 42.655% | 42.655% | 02/21/2026 | 811 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,468.00 | 6.430% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 56.360% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.39 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119765 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 2 | XXXXX | $4,557.00 | XXXXX | $379.75 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127485 | XXXXX | Non QM | Yes | No | $4,065.00 | $7,835.09 | 6.504% | XXXXX | XXXXX | 6.375% | No | No | Employed | Permanent Resident Alien | $12,775.60 | 1 | XXXXX | $874.32 | XXXXX | $72.86 | 29.024% | 29.024% | 29.024% | 04/21/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,065.00 | 6.260% | $0.00 | 2.6 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 46.660% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126969 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $16,415.00 | $3,688.01 | 6.377% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $20,353.68 | 1 | XXXXX | $2,999.40 | XXXXX | $249.95 | 42.424% | 42.424% | 42.424% | 04/22/2026 | 774 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $16,415.00 | 6.300% | $12,500.00 | 2.8 | None | Yes | No | 6.375% | 2 | 2 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 58.080% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 66.38 | Yes | No | $0.00 | $13,310.40 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128453 | XXXXX | Non QM | Yes | No | $2,565.00 | $5,100.00 | 6.797% | XXXXX | XXXXX | 6.750% | No | No | Employed | Permanent Resident Alien | $12,032.22 | 1 | XXXXX | $2,030.04 | XXXXX | $169.17 | 35.398% | 35.398% | 35.398% | 04/28/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.260% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 2.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121398 | XXXXX | Non QM | Yes | No | $12,696.56 | $16,570.57 | 8.332% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,531.35 | 1 | XXXXX | $4,259.04 | XXXXX | $354.92 | 39.938% | 39.938% | 39.938% | 06/11/2025 | 656 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $12,696.56 | 6.610% | $0.00 | 4.6 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.67 | No | $10,432.07 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121144 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $4,861.66 | $6,353.94 | 7.373% | XXXXX | XXXXX | 6.999% | No | No | Employed | US Citizen | $1,393.49 | 1 | XXXXX | $1,713.00 | XXXXX | $142.75 | 47.817% | 47.817% | 47.817% | 10/07/2025 | 676 | Yes | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXXX | $4,861.66 | 6.190% | $4,000.00 | None | N/A | No | 6.999% | 0 | 2 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 52.750% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 26.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121148 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,334.60 | $697.77 | 6.896% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | US Citizen | $21,445.33 | 1 | XXXXX | $2,685.84 | XXXXX | $223.82 | 12.912% | 12.912% | 12.912% | 11/25/2025 | 714 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $9,334.60 | 6.180% | $19,884.48 | 1.2 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 4.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121165 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $12,910.00 | $15,203.89 | 8.135% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed | US Citizen | $12,782.70 | 1 | XXXXX | $4,175.28 | XXXXX | $347.94 | 33.812% | 33.812% | 33.812% | 12/15/2025 | 704 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 1 | 0 | 0 | 0 | XXXXX | $12,910.00 | 6.170% | $0.00 | 2.8 | None | N/A | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121161 | XXXXX | N/A | Yes | No | No | $130,395.00 | $64,420.00 | 7.098% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $88,509.54 | 1 | XXXXX | $1,809.00 | XXXXX | $150.75 | 19.388% | 19.388% | 19.388% | 12/19/2025 | 789 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $130,395.00 | 6.180% | $0.00 | 2.6 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 5.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.33 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121179 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $13,383.98 | $14,372.04 | 6.670% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | US Citizen | $6,524.73 | 1 | XXXXX | $1,416.96 | XXXXX | $118.08 | 47.365% | 47.365% | 47.365% | 01/12/2026 | 761 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $13,383.98 | 5.990% | $0.00 | 2.1 | None | N/A | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.26 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121261 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,465.29 | $8,539.04 | 6.458% | XXXXX | XXXXX | 6.250% | No | Yes | Not Employed | Self-Employed | Self-Employed | 11.14 | US Citizen | US Citizen | US Citizen | $14,500.78 | 1 | XXXXX | $2,242.56 | XXXXX | $186.88 | 39.170% | 39.170% | 39.170% | 02/06/2026 | 798 | 796 | 812 | 765 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 76.000% | 50.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2015 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2015 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $7,465.29 | 6.100% | $6,000.00 | 1.1 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 8.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.13 | Yes | No | $23,838.06 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121298 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $18,190.00 | $19,495.50 | 6.677% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | US Citizen | $11,470.69 | 1 | XXXXX | $5,418.96 | XXXXX | $451.58 | 33.574% | 33.574% | 33.574% | 02/19/2026 | 805 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $18,190.00 | 5.990% | $0.00 | 1.7 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 103.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121399 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $2,058.96 | XXXXX | $171.58 | 0.000% | 0.000% | 0.000% | 10/24/2025 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 5.210% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.32 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121343 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,292.00 | $10,932.80 | 7.087% | XXXXX | XXXXX | 6.750% | No | No | Non-Employment Income | US Citizen | $3,867.36 | 1 | XXXXX | $2,775.00 | XXXXX | $231.25 | 46.863% | 46.863% | 46.863% | 02/23/2026 | 717 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | XXXXX | $9,292.00 | 5.980% | $20,000.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 2 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 150.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121347 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $28,401.88 | $13,139.46 | 7.347% | XXXXX | XXXXX | 6.999% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $14,237.57 | 1 | XXXXX | $1,224.96 | XXXXX | $102.08 | 38.792% | 38.792% | 38.792% | 03/02/2026 | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $28,401.88 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 6.510% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.06 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121180 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.125% | No | No | US Citizen | 1 | XXXXX | $1,238.04 | XXXXX | $103.17 | 0.000% | 0.000% | 0.000% | 12/17/2025 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.21 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121147 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 3 | XXXXX | $3,227.88 | XXXXX | $268.99 | 0.000% | 0.000% | 0.000% | 11/21/2025 | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.26 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121280 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $49,176.46 | $20,303.07 | 7.686% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $13,115.29 | 1 | XXXXX | $5,871.00 | XXXXX | $489.25 | 47.193% | 47.193% | 47.193% | 02/04/2026 | 693 | No | Yes | 12 | Business | 64.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $49,176.46 | 6.100% | $0.00 | 2.6 | None | N/A | No | 7.500% | 0 | 3 | 0 | 0 | 4 | 3 | 12 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.92 | No | No | $0.00 | $8,836.20 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121312 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $15,423.94 | $8,729.94 | 7.589% | XXXXX | XXXXX | 6.999% | No | No | Self-Employed | US Citizen | $50,995.99 | 1 | XXXXX | $1,098.60 | XXXXX | $91.55 | 10.198% | 10.198% | 10.198% | 03/06/2026 | 723 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $15,423.94 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 15.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.5 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121243 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 1 | XXXXX | $1,366.32 | XXXXX | $113.86 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.3 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121183 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $6,695.00 | $7,295.71 | 7.540% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $3,940.41 | 1 | XXXXX | $2,682.60 | XXXXX | $223.55 | 46.178% | 46.178% | 46.178% | 01/19/2026 | 681 | No | Yes | 12 | Business | 66.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2006 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | 0 | XXXXX | $6,695.00 | 6.100% | $0.00 | 1.1 | None | N/A | No | 7.250% | 0 | 1 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.35 | No | $0.00 | $2,506.15 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121334 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.999% | No | No | US Citizen | 1 | XXXXX | $11,707.08 | XXXXX | $975.59 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 682 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | No | No | 8.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.5 | 1.99 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.69 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121229 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,395.00 | $11,715.14 | 6.234% | XXXXX | XXXXX | 6.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,381.94 | 1 | XXXXX | $14,355.96 | XXXXX | $1,196.33 | 45.922% | 45.922% | 45.922% | 02/04/2026 | 789 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2013 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2013 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $9,395.00 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 5.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.43 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121163 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.750% | No | No | US Citizen | 3 | XXXXX | $4,316.04 | XXXXX | $359.67 | 0.000% | 0.000% | 0.000% | 01/22/2026 | 660 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.24 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121333 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $38,585.00 | $24,393.78 | 6.864% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $43,676.18 | 1 | XXXXX | $3,272.76 | XXXXX | $272.73 | 25.201% | 25.201% | 25.201% | 02/27/2026 | 712 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $38,585.00 | 5.980% | $0.00 | 2.2 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 17.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121283 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 2 | XXXXX | $2,076.00 | XXXXX | $173.00 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 753 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 15.230% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.11 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121193 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $2,506.92 | XXXXX | $208.91 | 0.000% | 0.000% | 0.000% | 01/22/2026 | 819 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | XXXXX | XXXXX | 55.720% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.35 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121248 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | US Citizen | 1 | XXXXX | $1,137.00 | XXXXX | $94.75 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 222.82 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121198 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $1,589.52 | XXXXX | $132.46 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.9 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121284 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | US Citizen | 1 | XXXXX | $683.16 | XXXXX | $56.93 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 75.46 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121246 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $2,550.36 | XXXXX | $212.53 | 0.000% | 0.000% | 0.000% | 01/27/2026 | 789 | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.54 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121197 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $0.00 | XXXXX | $0.00 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 58.08 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121181 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.750% | No | No | US Citizen | 1 | XXXXX | $1,866.00 | XXXXX | $155.50 | 0.000% | 0.000% | 0.000% | 01/27/2026 | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.61 | 1.64 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 268.27 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121152 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $2,334.00 | XXXXX | $194.50 | 0.000% | 0.000% | 0.000% | 12/08/2025 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 2.54 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121311 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.125% | No | No | 0 | US Citizen | 1 | XXXXX | $2,865.00 | XXXXX | $238.75 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 772 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.64 | XXXXX | XXXXX | 70.170% | No | Yes | Final | Fee Simple | LLC | Business Entity | Trust | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.33 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121202 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | Non-Permanent Resident Alien | 2 | XXXXX | $1,472.04 | XXXXX | $122.67 | 0.000% | 0.000% | 0.000% | 01/27/2026 | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | XXXXX | 33.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.56 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121215 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $1,613.04 | XXXXX | $134.42 | 0.000% | 0.000% | 0.000% | 01/26/2026 | 746 | No | No | DSCR | 1 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 11.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.29 | Yes | 18.000% | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121143 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.999% | No | No | US Citizen | 1 | XXXXX | $4,971.00 | XXXXX | $414.25 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.78 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121329 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $1,959.12 | XXXXX | $163.26 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.38 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121263 | XXXXX | N/A | No | No | XXXXX | XXXXX | 5.999% | No | No | US Citizen | 1 | XXXXX | $1,266.96 | XXXXX | $105.58 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 73.280% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 82.64 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121184 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | Non-Permanent Resident Alien | 1 | XXXXX | $3,059.28 | XXXXX | $254.94 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.57 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121313 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.125% | No | No | US Citizen | 1 | XXXXX | $4,771.20 | XXXXX | $397.60 | 0.000% | 0.000% | 0.000% | 03/16/2026 | 658 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.99 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | VE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121279 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.250% | No | No | Permanent Resident Alien | 1 | XXXXX | $864.96 | XXXXX | $72.08 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 50.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.65 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121252 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,809.60 | XXXXX | $150.80 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 775 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.62 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121383 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $1,809.60 | XXXXX | $150.80 | 0.000% | 0.000% | 0.000% | 03/12/2026 | 732 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41.32 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121211 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | Permanent Resident Alien | 1 | XXXXX | $1,941.00 | XXXXX | $161.75 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 718 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.97 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.67 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121367 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.375% | No | No | US Citizen | 1 | XXXXX | $2,834.40 | XXXXX | $236.20 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 673 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | 25.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.89 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121330 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | US Citizen | 3 | XXXXX | $4,568.04 | XXXXX | $380.67 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXXX | XXXXX | 20.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 35.56 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121316 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | Foreign National | 1 | XXXXX | $2,242.68 | XXXXX | $186.89 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | No | 9.81 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121365 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $3,120.00 | XXXXX | $260.00 | 0.000% | 0.000% | 0.000% | 01/13/2026 | 680 | No | No | DSCR | 2 | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 207.97 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121302 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $2,359.20 | XXXXX | $196.60 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 728 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.36 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121380 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.500% | No | No | US Citizen | 1 | XXXXX | $3,240.96 | XXXXX | $270.08 | 0.000% | 0.000% | 0.000% | 03/10/2026 | 702 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.87 | 0.53 | XXXXX | XXXXX | 0.600% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.09 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000123520 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.375% | No | No | US Citizen | US Citizen | 1 | XXXXX | $1,726.92 | XXXXX | $143.91 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.37 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000123521 | XXXXX | N/A | No | No | XXXXX | XXXXX | 8.250% | No | No | US Citizen | 1 | XXXXX | $684.36 | XXXXX | $57.03 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 650 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.12 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000588 | Non QM | Yes | No | $1,595.00 | $8,136.87 | 6.551% | XXXXX | XXXXX | 6.500% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXXX | $85,548.33 | 1 | XXXXX | $1,647.60 | XXXXX | $137.30 | 17.497% | 17.497% | 17.497% | 03/25/2026 | 771 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.260% | $10,000.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 35.470% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Passport | 70.67 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125347 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 4 | XXXXX | $3,453.00 | XXXXX | $287.75 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.66 | 0.38 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129392 | XXXXX | Non QM | Yes | No | $7,895.00 | $9,112.29 | 6.528% | XXXXX | XXXXX | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $6,437.92 | 1 | XXXXX | $1,083.96 | XXXXX | $90.33 | 48.497% | 48.497% | 48.497% | 03/23/2026 | 819 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,895.00 | 6.320% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.38 | No | No | $0.00 | $6,500.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000781 | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $1,274.16 | XXXXX | $106.18 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.1 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 52.750% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127325 | XXXXX | Non QM | Yes | No | $7,565.00 | $9,121.67 | 7.027% | XXXXX | XXXXX | 6.875% | No | No | Employed | US Citizen | $6,033.28 | 1 | XXXXX | $1,799.52 | XXXXX | $149.96 | 45.152% | 45.152% | 45.152% | 04/20/2026 | 749 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,565.00 | 6.300% | $230,000.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 9.740% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.38 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124933 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $660.00 | XXXXX | $55.00 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 26.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126990 | XXXXX | Non QM | Yes | No | $2,976.00 | $9,305.10 | 6.486% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed | Permanent Resident Alien | $42,571.40 | 1 | XXXXX | $2,954.04 | XXXXX | $246.17 | 17.060% | 17.060% | 17.060% | 03/24/2026 | 725 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,976.00 | 6.300% | $0.00 | 1.0 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 8.490% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 1.67 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127119 | XXXXX | Non QM | Yes | No | $0.00 | $4,015.22 | 7.137% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | Permanent Resident Alien | $22,240.84 | 1 | XXXXX | $1,687.44 | XXXXX | $140.62 | 31.552% | 31.552% | 31.552% | 03/06/2026 | 783 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | 6.300% | $0.00 | 1.8 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 16.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 2.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125433 | XXXXX | N/A | No | Yes | $0.00 | $0.00 | 6.483% | XXXXX | XXXXX | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,104.23 | 1 | XXXXX | $1,602.60 | XXXXX | $133.55 | 32.300% | 32.300% | 32.300% | 04/11/2026 | 801 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.370% | $5,000.00 | 3.3 | DU | ApproveEligible | No | No | 6.500% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 88.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 108.25 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127052 | XXXXX | Non QM | Yes | No | $2,490.00 | $4,553.95 | 6.686% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | US Citizen | $14,031.42 | 1 | XXXXX | $1,256.16 | XXXXX | $104.68 | 36.424% | 36.424% | 36.424% | 02/26/2026 | 780 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.300% | $0.00 | 1.2 | None | N/A | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127037 | XXXXX | Non QM | Yes | No | $14,878.50 | $17,002.80 | 7.667% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $11,577.46 | 1 | XXXXX | $1,455.96 | XXXXX | $121.33 | 37.179% | 37.179% | 37.179% | 04/06/2026 | 747 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $14,878.50 | 6.300% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128458 | XXXXX | Non QM | Yes | No | $16,570.00 | $5,740.42 | 6.695% | XXXXX | XXXXX | 6.625% | No | No | Employed | US Citizen | $7,951.84 | 1 | XXXXX | $2,100.96 | XXXXX | $175.08 | 37.971% | 37.971% | 37.971% | 03/25/2026 | 798 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $16,570.00 | 6.260% | $0.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128002 | XXXXX | Non QM | Yes | No | $2,665.00 | $3,786.07 | 6.716% | XXXXX | XXXXX | 6.625% | No | No | Employed | Permanent Resident Alien | $3,688.63 | 1 | XXXXX | $1,932.00 | XXXXX | $161.00 | 40.982% | 40.982% | 40.982% | 04/21/2026 | 786 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,665.00 | 6.260% | $0.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 29.200% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 10.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000800 | Non QM | Yes | No | $10,130.00 | $11,865.39 | 7.577% | XXXXX | XXXXX | 7.250% | No | No | Employed | US Citizen | $8,114.09 | 1 | XXXXX | $2,825.28 | XXXXX | $235.44 | 51.845% | 51.845% | 51.845% | 04/22/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $10,130.00 | 6.410% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.14 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000605 | N/A | No | No | XXXXX | XXXXX | 6.125% | No | No | US Citizen | 1 | XXXXX | $801.00 | XXXXX | $66.75 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 729 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127266 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.625% | No | No | US Citizen | 1 | XXXXX | $2,081.04 | XXXXX | $173.42 | 0.000% | 0.000% | 0.000% | 04/23/2026 | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.63 | 1.59 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 106.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128459 | XXXXX | Non QM | Yes | No | $5,429.00 | $4,610.10 | 6.491% | XXXXX | XXXXX | 6.375% | No | No | Employed | Permanent Resident Alien | $4,464.82 | 1 | XXXXX | $1,865.04 | XXXXX | $155.42 | 36.217% | 36.217% | 36.217% | 03/13/2026 | 743 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,429.00 | 6.260% | $7,500.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 34.410% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124348 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.000% | No | No | US Citizen | 1 | XXXXX | $1,236.00 | XXXXX | $103.00 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 6.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121262 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 1 | XXXXX | $3,864.00 | XXXXX | $322.00 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.13 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121234 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.375% | No | No | US Citizen | 1 | XXXXX | $1,530.72 | XXXXX | $127.56 | 0.000% | 0.000% | 0.000% | 12/12/2025 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 180.78 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121212 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | Foreign National | 1 | XXXXX | $564.00 | XXXXX | $47.00 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | XXXXX | XXXXX | 10.260% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | 127.15 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121247 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.250% | No | No | US Citizen | 2 | XXXXX | $5,771.64 | XXXXX | $480.97 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 794 | No | No | [Borrower]; Account Transcripts - 2025 | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 1 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | 2.260% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.78 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121315 | XXXXX | N/A | Yes | No | No | $36,312.54 | $11,685.01 | 6.820% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed | Foreign National | XXXXX | $10,809.61 | 1 | XXXXX | $1,612.08 | XXXXX | $134.34 | 40.311% | 40.311% | 40.311% | No | No | [Borrower - |
Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXXX | $36,312.54 | 5.990% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | No | XXXXX | XXXXX | 33.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Passport, VISA | 12.12 | Yes | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126852 | XXXXX | Non QM | Yes | No | $6,132.50 | $9,565.97 | 7.600% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $9,455.40 | 1 | XXXXX | $1,774.68 | XXXXX | $147.89 | 32.150% | 32.150% | 32.150% | 04/15/2026 | 742 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $6,132.50 | 6.300% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 41.700% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123638 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $1,926.48 | XXXXX | $160.54 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 751 | No | No | DSCR | 1 | 0 | 0 | No | XXXXX | $0.00 | 3.5 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.7 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123635 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | 1 | XXXXX | $2,138.76 | XXXXX | $178.23 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.45 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127058 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | 0 | US Citizen | US Citizen | 1 | XXXXX | $836.04 | XXXXX | $69.67 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 786 | 776 | 769 | 794 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee | Individual | Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 488.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127077 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | US Citizen | US Citizen | 4 | XXXXX | $1,714.08 | XXXXX | $142.84 | 0.000% | 0.000% | 0.000% | 01/06/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.58 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 42.63 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127145 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $1,176.00 | XXXXX | $98.00 | 0.000% | 0.000% | 0.000% | 03/14/2026 | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | XXXXX | 32.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.4 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127079 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | 1 | XXXXX | $2,432.88 | XXXXX | $202.74 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V8 Facta | FICO Risk Score Classic 04 | No | 4.9 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127059 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $1,950.00 | XXXXX | $162.50 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | XXXXX | XXXXX | 30.640% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.82 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131296 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.999% | No | No | US Citizen | 2 | XXXXX | $1,632.96 | XXXXX | $136.08 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 689 | No | No | DSCR | 1 | 1 | 0 | No | XXXXX | $0.00 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.96 | 0.51 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 116.12 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131302 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.999% | No | No | US Citizen | 2 | XXXXX | $3,300.96 | XXXXX | $275.08 | 0.000% | 0.000% | 0.000% | 03/10/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.4 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131297 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.500% | No | No | US Citizen | US Citizen | 1 | XXXXX | $3,252.96 | XXXXX | $271.08 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.74 | 1.36 | XXXXX | XXXXX | 35.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.87 | Yes | 18.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131299 | XXXXX | N/A | No | No | XXXXX | XXXXX | 7.125% | No | No | US Citizen | US Citizen | 1 | XXXXX | $870.96 | XXXXX | $72.58 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | XXXXX | 39.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.83 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127065 | XXXXX | Non QM | Yes | No | $8,265.00 | $10,580.46 | 8.527% | XXXXX | XXXXX | 8.125% | No | No | Self-Employed | US Citizen | $10,153.98 | 1 | XXXXX | $1,307.04 | XXXXX | $108.92 | 21.992% | 21.992% | 21.992% | 01/21/2026 | 663 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2024 [Borrower - | Primary Income - P&L Statement Only]; Other - 2021 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 3 | 0 | 0 | XXXXX | $8,265.00 | 6.170% | $0.00 | 2.9 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.02 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127068 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $27,841.50 | $8,617.92 | 6.616% | XXXXX | XXXXX | 6.500% | No | No | Not Employed | Employed | Non-Permanent Resident Alien | XXXXX | $17,458.97 | 1 | XXXXX | $1,601.04 | XXXXX | $133.42 | 33.864% | 33.864% | 33.864% | 03/12/2026 | 785 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXXX | $27,841.50 | 6.430% | $0.00 | 1.4 | None | N/A | No | 6.500% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 13.21 | Yes | $0.00 | $26,398.52 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127064 | XXXXX | Non QM | Yes | No | $9,627.50 | $11,511.66 | 7.853% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | US Citizen | $2,268.60 | 1 | XXXXX | $1,883.64 | XXXXX | $156.97 | 48.409% | 48.409% | 48.409% | 02/13/2026 | 790 | No | Yes | 12 | Personal | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $9,627.50 | 6.430% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 66.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.92 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121233 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 4 | XXXXX | $4,891.08 | XXXXX | $407.59 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | XXXXX | 0.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000127396 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $7,865.00 | $9,013.34 | 7.150% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | US Citizen | $3,779.13 | 1 | XXXXX | $2,160.36 | XXXXX | $180.03 | 44.935% | 44.935% | 44.935% | 03/13/2026 | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $7,865.00 | 6.430% | $10,000.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000127399 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $8,208.94 | $6,405.94 | 7.783% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed | Non-Permanent Resident Alien | XXXXX | $13,772.48 | 1 | XXXXX | $1,748.04 | XXXXX | $145.67 | 20.946% | 20.946% | 20.946% | 04/14/2026 | 764 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $8,208.94 | 6.320% | $35,000.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 2 | 12 | 0.00 | No | XXXXX | XXXXX | 2.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 7.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000103769 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.500% | No | No | US Citizen | 1 | XXXXX | $636.00 | XXXXX | $53.00 | 0.000% | 0.000% | 0.000% | 10/17/2025 | 756 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.6 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.66 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000103770 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.625% | No | No | US Citizen | 1 | XXXXX | $636.00 | XXXXX | $53.00 | 0.000% | 0.000% | 0.000% | 10/17/2025 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.54 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131300 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 3 | XXXXX | $4,560.00 | XXXXX | $380.00 | 0.000% | 0.000% | 0.000% | 12/24/2025 | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.14 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129930 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.750% | No | No | US Citizen | 1 | XXXXX | $1,764.72 | XXXXX | $147.06 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.9 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.43 | 2.33 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 246.28 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000131298 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.375% | No | No | US Citizen | 2 | XXXXX | $1,368.96 | XXXXX | $114.08 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 38.300% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.91 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112285 | XXXXX | N/A | Yes | No | No | $24,735.00 | $10,069.17 | 7.372% | XXXXX | XXXXX | 7.125% | No | No | Not Employed | Self-Employed | Self-Employed | 2.01 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXXXX | XXXXX | $5,283.19 | 1 | XXXXX | $5,979.96 | XXXXX | $498.33 | 41.751% | 41.751% | 41.751% | 08/21/2025 | 745 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Personal | 100.000% | 50.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $24,735.00 | 6.570% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | No | 3.08 | Yes | $9,069.96 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXX | XXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114090 | XXXXX | N/A | Yes | No | No | $32,200.00 | $15,449.47 | 7.077% | XXXXX | XXXXX | 6.750% | No | No | Not Employed | Self-Employed | Foreign National | XXXXX | $13,579.40 | 1 | XXXXX | $717.96 | XXXXX | $59.83 | 23.055% | 23.055% | 23.055% | No | No | [Coborrower(s) - |
Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $32,200.00 | 6.100% | $0.00 | 2.6 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 50.860% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Passport, VISA | 24.82 | No | Yes | $17,648.28 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127081 | XXXXX | N/A | No | No | XXXXX | XXXXX | 6.875% | No | No | US Citizen | 1 | XXXXX | $5,925.72 | XXXXX | $493.81 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.85 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | VE | XXXXX |