Loan ID

Seller Loan ID

Investor Loan ID

Loan Program

Guideline Product Name

Originator Name

Originating Entity CDFI Flag

Guideline Name

Guideline Author

Guideline Date

Guideline Version

Application Date

TILA Status

TRID

GSE

Verified Safe Harbor Flag

Verified Safe Harbor Reference Document

QM Regulation Failures

ATR QM Total Points and Fees Audit

Loan Regulation Benchmark Date

Benchmark Rate

AUS Decision System

Rating Result

Property Inspection Waiver (PIW)

Calculated APR

HUD 1 Page 1 Credits Total

Verified Qualifying Rate

Originator Qualifying Rate

Qualifying P&I

Default Interest Rate Present

Default Interest Rate

Annual Property Tax

Monthly Property Tax

Annual Insurance Costs

Monthly Insurance Cost

Annual HOA Costs

Monthly HOA Costs

Monthly Other Costs

PITIA

Residual Income

HOA Questionnaire Flag

HOA Name

HOA Address State

HOA Fee Amount

HOA Next Due Date

HOA Payment Frequency

Originator DTI

TPR Verified DTI

QM DTI

Is Borrower Non Occupant

Is Co Borrower Non Occupant

Co Borrower 2 Asset Verification Level

Co Borrower 3 Asset Verification Level

Co Borrower 2 Income Verification Level

Co Borrower 3 Income Verification Level

Co Borrower 2 Employment Verification Level

Co Borrower 3 Employment Verification Level

Borrower Employment Indicator

Co Borrower Employment Indicator

Co Borrower 2 Employment Indicator

Co Borrower 3 Employment Indicator

Co Borrower 2 Length of Employment

Co Borrower 3 Length of Employment

Document Level

Borrower Years of W2s/1099

CoBorrower Years of W2s/1099

Borrower Months of Paystubs Verified

Co Borrower Months of Paystubs Verified

Borrower Employment Gap Letter

Borrower Months of Employment Gap

Co Borrower Employment Gap Letter

Co Borrower Months of Employment Gap

Borrower Years of Personal Tax Returns

Borrower Years of Business Tax Returns

CoBorrower Years of Personal Tax Returns

CoBorrower Years of Business Tax Returns

Years of 4506T

Years of Tax Transcripts

Borrower Award/Offer Letter

Co Borrower Award/Offer Letter

Asset Depletion Flag

Partial Asset Depletion Flag

Asset Depletion Months Amortized

Asset Utilization Flag (No DTI)

Borrower Bank Statements Flag

Borrower Bank Statement Summary/Lender Worksheet

Borrower Number of Personal Bank Statements

Borrower Number of Business Bank Statements

CoBorrower Bank Statements Flag

Co Borrower Bank Statement Summary/Lender Worksheet

CoBorrower Number of Personal Bank Statements

CoBorrower Number of Business Bank Statements

Percent of Income From Statements

Borrower Business Ownership %

CoBorrower Business Ownership %

Bespoke Eligible Assets

Borrower P&L Type

Borrower Number of Months P&L

Borrower P&L Prepared By

CoBorrower P&L Type

CoBorrower P&L Prepared By

CoBorrower Number of Months P&L

Borrower CPA Letter Flag

# of Months CPA verified income

CoBorrower CPA Letter Flag

CoBorrower # of Months CPA verified income

Borrower WVOE Flag

Borrower # of Months Employment Validated WVOE

Borrower # of Months Income Validated WVOE

Borrower WVOE Form Type

CoBorrower WVOE Flag

CoBorrower # of Months WVOE

CoBorrower # of Months Income Validated WVOE

CoBorrower WVOE Form Type

DSCR Flag

TPR DSCR

Originator DSCR

Expense Letter

Income Doc Detail

Tax Return Doc Details

Property Address

Property City

Property State

Property Zip

Property County

Original Credit Report Date

Borrower 1 Credit Report Date

Borrower 2 Credit Report Date

Borrower 3 Credit Report Date

Borrower 4 Credit Report Date

Qualifying Credit Score

Third Wage Earner Original FICO Equifax

Third Wage Earner Original FICO Experian

Third Wage Earner Original FICO Transunion

Fourth Wage Earner Original FICO Equifax

Fourth Wage Earner Original FICO Experian

Fourth Wage Earner Original FICO Transunion

Most Recent Co Borrower 2 FICO

Most Recent Co Borrower 3 FICO

Updated Credit Report Flag

Updated Credit Report Date

Updated FICO Method

Primary Wage Earner Updated FICO Equifax

Primary Wage Earner Updated FICO Experian

Primary Wage Earner Updated FICO Transunion

Secondary Wage Earner Updated FICO Equifax

Secondary Wage Earner Updated FICO Experian

Secondary Wage Earner Updated FICO Transunion

Third Wage Earner Updated FICO Equifax

Third Wage Earner Updated FICO Experian

Third Wage Earner Updated FICO Transunion

Fourth Wage Earner Updated FICO Equifax

Fourth Wage Earner Updated FICO Experian

Fourth Wage Earner Updated FICO Transunion

Updated Primary Borrower FICO

Updated Co Borrower FICO

Updated Co Borrower 2 FICO

Updated Co Borrower 3 FICO

Updated Qualifying FICO

Most Recent Bankruptcy Type

Most Recent Bankruptcy Filing Date

Most Recent Bankruptcy Discharge Date

Number of Bankruptcy Events

Months Bankruptcy 7 11

Months Bankruptcy 13

Most Recent Deed in Lieu Date

Number of Deed in Lieu Events

Months Deed in Lieu

Most Recent Short Sale Date

Number of Short Sale Events

Months Short Sale (or Pre FC)

Most Recent Foreclosure Date

Number of Foreclosure Events

Months Foreclosure

Prior Mortgage/Rent Lates 30d in 0-12m

Prior Mortgage/Rent Lates 60d in 0-12m

Prior Mortgage/Rent Lates 90d in 0-12m

Prior Mortgage/Rent Lates 120d+ in 0-12m

Prior Mortgage/Rent Lates 30d in 13-24m

Prior Mortgage/Rent Lates 60d in 13-24m

Prior Mortgage/Rent Lates 90d in 13-24m

Prior Mortgage/Rent Lates 120d+ in 13-24m

Prior Mortgage/Rent Late 30d in 24m

Prior Mortgage/Rent Late 60d in 24m

Prior Mortgage/Rent Late 90d in 24m

Has ACH

Is Equity Shared Loan

Subordinate Lien Type

Subordinate Lien Max Draw Amount (HELOC)

Is Shared Appreciation Mortgage

Borrower Originator Citizenship Designation

Borrower Verified Citizenship Designation

Borrower Individual Tax Identification Number (ITIN)?

Borrower Photo Identification Type

Borrower Photo Identification Other Type

Borrower Photo ID State of Issuance

Borrower Photo ID Country of Issuance

Borrower Photo ID Expiration Date

Borrower Passport Country of Origin

Borrower Passport Expiration Date

Borrower Non-US Citizen Identification Document

Borrower Date of Resident Since/Valid Date

Borrower Non-US Document Expiration Date

Co Borrower Originator Citizenship Designation

Co Borrower Verified Citizenship Designation

Co Borrower Individual Tax Identification Number (ITIN)?

Co Borrower Photo Identification Type

Co Borrower Photo Identification Other Type

Co Borrower Photo ID State of Issuance

Co Borrower Photo ID Country of Issuance

Co Borrower Photo ID Expiration Date

Co Borrower Passport Country of Origin

Co Borrower Passport Expiration Date

Co Borrower Non-US Citizen Identification Document

Co Borrower Date of Resident Since/Valid Date

Co Borrower Non-US Document Expiration Date

Co Borrower 2 Originator Citizenship Designation

Co Borrower 2 Verified Citizenship Designation

Co Borrower 2 Individual Tax Identification Number (ITIN)?

Co Borrower 2 Photo Identification Type

Co Borrower 2 Photo Identification Other Type

Co Borrower 2 Photo ID State of Issuance

Co Borrower 2 Photo ID Country of Issuance

Co Borrower 2 Photo ID Expiration Date

Co Borrower 2 Passport Country of Origin

Co Borrower 2 Passport Expiration Date

Co Borrower 2 Non-US Citizen Identification Document

Co Borrower 2 Date of Resident Since/Valid Date

Co Borrower 2 Non-US Document Expiration Date

Co Borrower 3 Originator Citizenship Designation

Co Borrower 3 Verified Citizenship Designation

Co Borrower 3 Individual Tax Identification Number (ITIN)?

Co Borrower 3 Photo Identification Type

Co Borrower 3 Photo Identification Other Type

Co Borrower 3 Photo ID State of Issuance

Co Borrower 3 Photo ID Country of Issuance

Co Borrower 3 Photo ID Expiration Date

Co Borrower 3 Passport Country of Origin

Co Borrower 3 Passport Expiration Date

Co Borrower 3 Non-US Citizen Identification Document

Co Borrower 3 Date of Resident Since/Valid Date

Co Borrower 3 Non-US Document Expiration Date

Property Rights

Leasehold Lease Expiration Date

Buydown Flag

Assumable Mortgage Flag

Foreign National Alternative Credit Documentation

Liquid / Cash Reserves (ASF)

Months Liquid Reserves

Total Assets Available for Reserves

Months Reserves

Blanket Mortgage Flag

Qualifying HCLTV

Condo Warrantability Flag

E-Note Flag

O&E in lieu of Title Insurance

Business Purpose Flag

Borrower Note Executed As

Co Borrower Note Executed As

Co Borrower 2 Note Executed As

Co Borrower 3 Note Executed As

Borrower1 SSN

Borrower2 SSN

Borrower 3 SSN

Borrower 4 SSN

First Time Homebuyer

Number of Units

Maturity Date

Note Type

Loan Type

Refinance Purpose

Borrower 1 Mailing Street Address

Borrower 1 Mailing City

Borrower 1 Mailing State

Borrower 1 Mailing Zip Code

Borrower 2 Mailing Street Address

Borrower 2 Mailing City

Borrower 2 Mailing State

Borrower 2 Mailing Zip Code

Borrower 3 Mailing Street

Borrower 3 Mailing City

Borrower 3 Mailing State

Borrower 3 Mailing Zip

Borrower 4 Mailing Street

Borrower 4 Mailing City

Borrower 4 Mailing Zip

Borrower 4 Mailing State

Prepay Penalty Calculation Description

Borrower 1 First Name

Borrower 1 Last Name

Borrower 2 First Name

Borrower 2 Last Name

Borrower 3 First Name

Borrower 3 Last Name

Borrower 4 First Name

Borrower 4 Last Name

Borrower 1 Employer

Borrower 1 Position

Borrower 2 Employer

Borrower 2 Position

Borrower 3 Employer

Borrower 3 Position

Borrower 4 Employer

Borrower 4 Position

First Time Investor

Borrower 1 Years in Industry

Borrower 2 Years in Industry

Borrower 3 Years in Industry

Borrower 4 Years in Industry

Borrower 1 ITIN

Borrower 2 ITIN

Borrower 3 ITIN

Borrower 4 ITIN

Original Appraiser License Number

Original Appraiser Name

Property Location

Appraisal Company

Title Company Name

MERS MIN Number

4000091280

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$5,308.45

$9,077.28

$756.44

$4,975.20

$414.60

$0.00

$6,479.49

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.266

1.26

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

773

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

19.6

xxxxx

19.6

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Urban

xxxxx

4000093291

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$5,912.36

$15,200.64

$1,266.72

$4,185.96

$348.83

$0.00

$7,527.91

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.049

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

755

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

26.4

52.94

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000095956

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$1,527.35

$4,237.20

$353.10

$779.16

$64.93

$0.00

$1,945.38

N/A

xxxxx

168.05%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.028

1.03

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

756

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

33.7

xxxxx

33.7

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Urban

xxxxx

4000096565

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$2,594.68

$1,096.92

$91.41

$866.04

$72.17

$0.00

$2,758.26

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.834

Yes

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

784

Unknown

xxxxx

Other

USA Patriot ACT Information Form

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

28.2

58.65

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000096788

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$2,554.75

$4,626.48

$385.54

$2,208.96

$184.08

$0.00

$3,124.37

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.896

0.89

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

731

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

27.6

xxxxx

27.6

69.35

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

5%, 5%

xxxxx

Suburban

xxxxx

4000097166

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$1,719.38

$16,226.04

$1,352.17

$4,009.92

$334.16

$0.00

$3,405.71

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.351

1.35

xxxxx

xx/xx/xxxx

745

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

122.5

xxxxx

122.5

40.33

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000097772

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$4,272.12

$6,816.60

$568.05

$2,455.32

$204.61

$3,600.00

$300.00

$0.00

$5,344.78

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.027

1.1

xxxxx

xx/xx/xxxx

766

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

xxxxx

Passport

xxxxx

xx/xx/xxxx

United States

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

17.7

xxxxx

17.7

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000098198

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$2,439.33

$24,906.12

$2,075.51

$2,657.04

$221.42

$0.00

$4,736.26

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.988

0.98

Yes

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

688

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

9.7

xxxxx

9.7

42.27

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000098490

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.490%

$2,803.21

$269.76

$22.48

$675.00

$56.25

$1,860.00

$155.00

$0.00

$3,036.94

N/A

xxxxx

Annually

0.00%

Yes

1 - Not Stated Not Verified

4 - Verified 2+ Mos

1 - Not Stated, Not Verified

Unknown

.00

Debt Service Coverage Ratio

0.00%

Yes

1.613

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower 3 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower 3 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

773

789

771

795

781

773

749

789

773

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

US Citizen

xxxxx

United States

xx/xx/xxxx

N/A

US Citizen

xxxxx

Real ID Driver's License

United States

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

231.7

xxxxx

231.7

60.0

N/A

Yes

Member on Behalf of Entity

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000098495

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.490%

$2,803.84

$255.96

$21.33

$689.04

$57.42

$1,860.00

$155.00

$0.00

$3,037.59

N/A

xxxxx

Annually

0.00%

Yes

1 - Not Stated Not Verified

3 - Verified<2Mos

1 - Not Stated, Not Verified

Unknown

.00

Debt Service Coverage Ratio

0.00%

Yes

1.613

N/A

xxxxx

xx/xx/xxxx

773

789

771

795

781

773

749

789

773

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

US Citizen

xxxxx

Real ID Driver's License

United States

xx/xx/xxxx

N/A

US Citizen

xxxxx

Real ID Driver's License

United States

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

17.6

xxxxx

17.6

60.0

N/A

Yes

Member on Behalf of Entity

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000100643

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

10729.69

xx/xx/xxxx

6.160%

Manual Underwriting

xxxxx

7.125%

$2,753.82

$5,857.80

$488.15

$2,699.04

$224.92

$0.00

$3,466.89

$20,785.40

N/A

xxxxx

29.09%

28.89%

Yes

Employed

Unknown

2YR Full Doc

2+ Months

N/A

0.00%

100.00%

N/A

Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 || Co Borrower - 2 YRS IRS Transcripts Verified - 2023, 2024

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 || Co Borrower - 2 YRS IRS Transcripts Verified - 2023, 2024

xxxxx

xx/xx/xxxx

764

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

8.3

xxxxx

8.6

75.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Limited Cash Out - <2% of Loan Amount or $2000

xxxxx

No Prepayment Penalty

xxxxx

5.50

26.92

xxxxx

Rural

xxxxx

4000100741

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2067.50

xx/xx/xxxx

6.160%

Manual Underwriting

xxxxx

6.875%

$1,458.39

$5,396.04

$449.67

$1,083.00

$90.25

$0.00

$1,998.31

$5,588.19

N/A

xxxxx

32.51%

37.63%

Self-Employed

1YR Full Doc

N/A

Yes

0.00%

100.00%

Third-Party Prepared (Unaudited)

Accountant/Bookkeeper

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified - 2025, 2024

Borrower - 2 YRS Executed 4506T Verified - 2025, 2024

xxxxx

xx/xx/xxxx

766

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

12.0

xxxxx

12.0

64.91

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

2.42

xxxxx

Urban

xxxxx

4000101860

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

8.000%

$939.22

$2,692.20

$224.35

$1,541.04

$128.42

$0.00

$1,291.99

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.006

xxxxx

xx/xx/xxxx

757

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

186.9

xxxxx

186.9

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000102125

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$4,502.35

$7,570.32

$630.86

$2,850.00

$237.50

$0.00

$5,370.71

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.521

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

759

Unknown

xxxxx

Other

USA Patriot ACT Information Form

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

37.2

60.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000103539

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

2190.00

xx/xx/xxxx

6.230%

Manual Underwriting

xxxxx

6.875%

$8,140.66

$25,555.08

$2,129.59

$474.12

$39.51

$6,576.00

$548.00

$0.00

$10,857.76

$15,838.55

Yes

xxxxx

Monthly

47.29%

0.00%

Retired

Asset Utilization (No DTI)

N/A

3.0

Yes

N/A

Yes

N/A

0.00%

100.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - Other, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2025 || Co Borrower - Personal Bank Statements Verified

Borrower - 2025 || Co Borrower

xxxxx

xx/xx/xxxx

810

Unknown

xxxxx

Other

US Patriot Act

xxxxx

xx/xx/xxxx

N/A

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

254.7

xxxxx

254.7

80.0

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000103882

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

2190.00

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.875%

$3,153.26

$11,819.40

$984.95

$1,857.00

$154.75

$0.00

$4,292.96

$10,070.94

N/A

xxxxx

31.62%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Yes

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025

Borrower - 2024, 2025

xxxxx

xx/xx/xxxx

756

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

10.3

xxxxx

10.3

80.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

5.00

xxxxx

Suburban

xxxxx

4000103944

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,939.65

$1,115.52

$92.96

$828.96

$69.08

$0.00

$2,101.69

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.928

Yes

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

778

Unknown

xxxxx

Other

USA Patriot Act Information Form

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

73.2

xxxxx

73.2

74.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

ARM

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000103945

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

9.000%

7.000%

$8,448.54

$22,840.56

$1,903.38

$2,609.04

$217.42

$0.00

$10,569.34

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.852

0.988

N/A

xxxxx

xx/xx/xxxx

749

Unknown

xxxxx

Other

USA Patriot ACT Information Form

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

xxxxx

Other

USA Patriot Information Form

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

35.1

xxxxx

35.1

58.33

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

ARM

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000104013

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1850.00

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.875%

$1,708.01

$1,633.80

$136.15

$1,452.96

$121.08

$0.00

$1,965.24

N/A

xxxxx

21.78%

21.20%

Self-Employed

1099 Verified

N/A

Yes

0.00%

100.00%

N/A

Yes

N/A

Yes

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2025

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025

xxxxx

xx/xx/xxxx

804

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

50.0

xxxxx

50.0

68.78

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

7.33

xxxxx

Suburban

xxxxx

4000104038

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

15696.50

xx/xx/xxxx

6.610%

Manual Underwriting

xxxxx

7.750%

$5,253.88

$3,593.76

$299.48

$1,245.96

$103.83

$0.00

$5,657.19

N/A

xxxxx

31.05%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025

Borrower - 2024, 2025

xxxxx

xx/xx/xxxx

704

Unknown

xxxxx

Other

Patriot Act Disclosure

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

17.8

xxxxx

17.8

80.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000104039

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$2,817.95

$8,982.00

$748.50

$2,595.36

$216.28

$0.00

$3,782.73

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.005

1.09

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

734

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.2

xxxxx

6.2

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000104202

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$3,889.89

$11,169.00

$930.75

$1,475.04

$122.92

$0.00

$4,943.56

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.779

0.778

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

773

Unknown

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

63.4

xxxxx

63.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000104313

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$5,056.54

$17,250.00

$1,437.50

$8,980.08

$748.34

$0.00

$7,242.38

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.794

0.795

Borrower - Other REO Net Rental Income(Loss) - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

705

Unknown

xxxxx

Other

USA PATRIOT ACT DISCLOSURE

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

7.3

xxxxx

7.3

54.42

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000104426

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2190.00

xx/xx/xxxx

6.190%

Manual Underwriting

xxxxx

7.250%

$1,705.44

$2,522.28

$210.19

$822.00

$68.50

$5,940.00

$495.00

$0.00

$2,479.13

$6,520.90

Yes

xxxxx

Monthly

47.48%

47.49%

Employed

Written Verification of Employment

N/A

0.00%

N/A

Yes

FNMA 1005

Yes

Borrower - Wage, Overtime, Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified - 2023, 2024, 2025

Borrower - 2023, 2024, 2025

xxxxx

xx/xx/xxxx

801

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

92.0

62.5

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

10.00

xxxxx

Urban

xxxxx

4000104553

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$3,568.88

$12,617.64

$1,051.47

$1,581.96

$131.83

$0.00

$4,752.18

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.842

0.84

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

769

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

106.3

56.71

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000104555

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$1,098.17

$6,046.44

$503.87

$1,959.84

$163.32

$500.04

$41.67

$0.00

$1,807.03

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.107

1.11

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

664

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

4.2

49.69

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000104622

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$2,707.45

$10,515.96

$876.33

$2,250.00

$187.50

$0.00

$3,771.28

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.061

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

771

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

20.3

xxxxx

20.3

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000104668

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

3890.00

xx/xx/xxxx

6.190%

Manual Underwriting

xxxxx

6.125%

$1,032.94

$5,819.40

$484.95

$1,344.96

$112.08

$174.96

$14.58

$0.00

$1,644.55

N/A

xxxxx

Annually

34.21%

Employed

Written Verification of Employment

N/A

0.00%

100.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage - Written VOE Verified - 2023, 2024, 2025

Borrower - 2023, 2024, 2025

xxxxx

xx/xx/xxxx

808

Unknown

xxxxx

Other

USA Patriot ACT Information Form

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

122.2

xxxxx

122.2

50.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

9.33

xxxxx

Suburban

xxxxx

4000104750

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

6936.00

xx/xx/xxxx

6.190%

Manual Underwriting

xxxxx

6.000%

$1,422.73

$5,694.72

$474.56

$671.04

$55.92

$0.00

$1,953.21

N/A

xxxxx

31.03%

Employed

Not Employed

Written Verification of Employment

N/A

Yes

N/A

0.00%

N/A

Yes

FNMA 1005

N/A

Yes

Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 || Co Borrower

Borrower - 2023, 2024, 2025 || Co Borrower

xxxxx

xx/xx/xxxx

802

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Passport

xxxxx

xx/xx/xxxx

China

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

11.7

xxxxx

11.7

70.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

10.00

xxxxx

Suburban

xxxxx

4000104939

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

2019.95

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.375%

$4,367.09

$20,250.00

$1,687.50

$2,460.00

$205.00

$0.00

$6,259.59

$34,612.89

N/A

xxxxx

23.19%

20.86%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

75.00%

N/A

Yes

N/A

Borrower - SESCorp - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024

Borrower - 1 YR Executed 4506T Verified - 2025, 2024

xxxxx

xx/xx/xxxx

697

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.0

xxxxx

6.2

51.85

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Limited Cash Out - <1% of Loan Amount or $2000

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000105013

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,399.08

$5,453.76

$454.48

$502.08

$41.84

$1,128.00

$94.00

$0.00

$1,989.40

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

803

Unknown

xxxxx

Other

Patriot Act Disclosure

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

78.8

xxxxx

78.8

74.9

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000109897

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$2,718.75

$16,746.24

$1,395.52

$2,079.00

$173.25

$0.00

$4,287.52

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.003

Borrower - Subject Property Net Rental Income(Loss) if NOO - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

705

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

21.1

xxxxx

21.1

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000110063

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$12,318.75

7.625%

$2,471.83

$13,974.48

$1,164.54

$4,236.00

$353.00

$1,920.00

$160.00

$0.00

$4,149.37

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

100.00%

Yes

0.651

N/A

Borrower - Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

776

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

14.5

xxxxx

14.5

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%

xxxxx

Suburban

xxxxx

4000110576

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.250%

$3,808.59

$8,695.80

$724.65

$2,399.40

$199.95

$0.00

$4,733.19

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.764

1.5

Borrower - Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

747

Unknown

xxxxx

Other

Commercial Driver License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

90.4

xxxxx

90.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

3%, 3%, 3%, 3%, 3%

xxxxx

Urban

xxxxx

4000110647

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$3,858.75

$17,675.16

$1,472.93

$2,329.08

$194.09

$0.00

$5,525.77

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.022

1.0

xxxxx

xx/xx/xxxx

779

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

46.6

xxxxx

46.6

68.24

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000111650

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$4,007.27

$8,833.92

$736.16

$3,834.00

$319.50

$0.00

$5,062.93

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.541

1.165

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

700

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

20.6

63.21

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000112322

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

4111.35

xx/xx/xxxx

6.060%

Manual Underwriting

xxxxx

6.750%

$2,497.10

$1,920.84

$160.07

$1,062.48

$88.54

$0.00

$2,745.71

$11,212.00

N/A

xxxxx

43.96%

43.60%

Yes

Self-Employed

Not Employed

1YR Full Doc

N/A

0.00%

100.00%

Borrower Prepared

Borrower

N/A

Yes

N/A

Borrower - SESCorp, SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 || Co Borrower - 3 YRS Executed 4506T Verified

Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 || Co Borrower - 3 YRS Executed 4506T Verified

xxxxx

xx/xx/xxxx

804

Unknown

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

167.7

xxxxx

167.7

51.33

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Limited Cash Out - <1% of Loan Amount or $2000

xxxxx

No Prepayment Penalty

xxxxx

6.69

xxxxx

Rural

xxxxx

4000113265

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.625%

$2,401.17

$3,430.56

$285.88

$1,103.04

$91.92

$0.00

$2,778.97

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.942

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

789

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

Yes

N/A

xxxxx

34.9

xxxxx

34.9

59.52

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

ARM

DSCR

No Cash Out - Borrower Initiated

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000113419

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.625%

8.500%

$4,813.00

$11,780.04

$981.67

$2,956.08

$246.34

$0.00

$6,041.01

$28,335.07

N/A

xxxxx

28.99%

30.13%

Yes

Employed

Written Verification of Employment

N/A

0.00%

100.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

740

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

25.0

xxxxx

25.0

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

3%, 3%

xxxxx

Yes

xxxxx

Urban

xxxxx

4000114180

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$5,010.42

$16,190.76

$1,349.23

$5,507.04

$458.92

$0.00

$6,818.57

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.997

0.947

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

770

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

11.4

xxxxx

11.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000115275

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

8.000%

$3,547.02

$8,266.08

$688.84

$1,800.00

$150.00

$0.00

$4,385.86

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.026

1.02

Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

695

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

13.1

xxxxx

13.1

67.61

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <2% of Loan Amount or $2000

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000115913

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$1,023.26

$2,244.24

$187.02

$1,680.72

$140.06

$600.00

$50.00

$0.00

$1,400.34

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.321

1.44

xxxxx

xx/xx/xxxx

665

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

102.7

37.5

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000115992

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1790.00

xx/xx/xxxx

6.130%

Manual Underwriting

xxxxx

7.250%

$3,410.88

$8,971.92

$747.66

$5,718.00

$476.50

$0.00

$4,635.04

$20,787.56

N/A

xxxxx

23.16%

23.38%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

0.00%

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 || Co Borrower - 2 YRS Executed 4506T Verified

Borrower - 2 YRS Executed 4506T Verified - 2025 || Co Borrower - 2 YRS Executed 4506T Verified

xxxxx

xx/xx/xxxx

779

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

17.7

xxxxx

121.0

63.29

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

46.85

xxxxx

Suburban

xxxxx

4000116222

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.750%

$3,729.44

$12,617.76

$1,051.48

$2,952.00

$246.00

$0.00

$5,026.92

$383,804.68

N/A

xxxxx

5.49%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025

Borrower - 2025

xxxxx

xx/xx/xxxx

709

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

108.9

xxxxx

108.9

41.82

N/A

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

6 Months Interest

xxxxx

Urban

xxxxx

4000116335

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$2,432.24

$13,494.00

$1,124.50

$3,845.04

$320.42

$0.00

$3,877.16

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.135

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

776

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

19.3

xxxxx

19.3

52.08

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000116406

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2117.50

xx/xx/xxxx

5.980%

Manual Underwriting

xxxxx

6.250%

$9,235.76

$18,494.04

$1,541.17

$3,965.64

$330.47

$0.00

$11,107.40

$25,330.74

N/A

xxxxx

42.78%

Employed

1YR Full Doc

1 Month

N/A

0.00%

N/A

Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

772

Unknown

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

76.4

xxxxx

76.4

68.18

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000116726

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$2,172.73

$8,241.48

$686.79

$1,421.04

$118.42

$0.00

$2,977.94

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.756

0.75

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

797

Unknown

xxxxx

Consular Card

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

0.0

xxxxx

47.6

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000116814

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

$4,262.64

$7,953.48

$662.79

$1,140.00

$95.00

$14,928.00

$1,244.00

$0.00

$6,264.43

Yes

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds,Stocks/Bonds

Yes

0.67

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

798

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

69.4

xxxxx

174.8

70.0

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000117129

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

6500.00

xx/xx/xxxx

6.100%

Manual Underwriting

xxxxx

6.250%

$6,157.17

$20,000.04

$1,666.67

$4,942.68

$411.89

$11,532.00

$961.00

$0.00

$9,196.73

$17,670.31

N/A

xxxxx

Monthly

48.51%

47.08%

Retired

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

0.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - SSI and Disability, Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2024, 2025 || Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025

xxxxx

xx/xx/xxxx

736

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

22.1

xxxxx

22.1

62.5

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000117280

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2325.00

xx/xx/xxxx

5.530%

Manual Underwriting

xxxxx

6.250%

$17,105.59

$60,034.08

$5,002.84

$4,550.04

$379.17

$0.00

$22,487.60

$30,323.81

N/A

xxxxx

45.25%

45.77%

4 - Verified 2+ Mos

5 - Stated, 2YRs Verified + CPA Letter

3 - Stated, 3rd Party Verification

Self-Employed

Employed

3.62

.68

2YR Full Doc

2+ Months

N/A

Yes

N/A

0.00%

100.00%

90.00%

Stocks/Bonds,Stocks/Bonds

Borrower Prepared

Borrower

Borrower Prepared

Borrower

Yes

N/A

Borrower - SEPartnership, Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower - Wage, SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower 2 - Wage, Bonus, Other REO Net Rental Income(Loss), Primary Residence Rent Income - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower 3 - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower 2 - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower 3 - 2 YRS Executed 4506T Verified - 2023, 2024, 2025

xxxxx

xx/xx/xxxx

754

768

793

791

754

776

739

791

754

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

US Citizen

xxxxx

Standard Driver's License - Not for federal use

United States

xx/xx/xxxx

N/A

US Citizen

xxxxx

Standard Driver's License - Not for federal use

United States

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

22.4

xxxxx

37.1

70.0

N/A

Borrower As Individual

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000117591

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1690.00

xx/xx/xxxx

5.990%

Manual Underwriting

xxxxx

6.375%

$7,860.76

$5,360.52

$446.71

$10,131.00

$844.25

$3,300.00

$275.00

$0.00

$9,426.72

$95,267.38

N/A

xxxxx

Annually

15.41%

14.99%

Yes

Self-Employed

2YR Full Doc

N/A

Yes

0.00%

100.00%

Borrower Prepared

Borrower

Yes

N/A

Borrower - SESCorp, SEPartnership, SESoleProprietor, SEPartnership, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1, Extension, 1065, 1120), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1, Extension, 1065, 1120), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023

xxxxx

xx/xx/xxxx

793

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

12.6

xxxxx

40.0

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000117670

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

1995.00

xx/xx/xxxx

6.100%

Manual Underwriting

xxxxx

6.375%

$7,486.44

$12,797.64

$1,066.47

$4,320.48

$360.04

$0.00

$8,912.95

$13,944.87

N/A

xxxxx

46.26%

46.50%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

84.0

Yes

0.00%

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2026, 2025 || Co Borrower - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified

Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 || Co Borrower - 3 YRS Executed 4506T Verified

xxxxx

xx/xx/xxxx

812

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

219.3

xxxxx

219.3

82.76

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Rural

xxxxx

4000117820

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$4,472.12

$5,058.84

$421.57

$1,847.04

$153.92

$0.00

$5,047.61

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

0.584

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

816

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

40.3

xxxxx

40.3

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000117872

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$2,572.27

$7,790.16

$649.18

$3,712.68

$309.39

$0.00

$3,530.84

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.641

2.7

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

771

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

14.3

xxxxx

46.0

27.91

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Urban

xxxxx

4000118317

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$2,399.81

Yes

20.000%

$7,804.32

$650.36

$1,350.96

$112.58

$12,324.00

$1,027.00

$0.00

$4,189.75

Yes

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.763

1.01

Yes

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

797

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

85.3

52.86

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 5%, 5%, 5%, 5%

xxxxx

Urban

xxxxx

4000118359

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$700.00

6.625%

$2,926.04

$12,005.52

$1,000.46

$3,878.04

$323.17

$0.00

$4,249.67

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.012

1.01

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

814

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

57.5

64.63

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

Suburban

xxxxx

4000118368

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$704.56

$2,895.72

$241.31

$834.96

$69.58

$0.00

$1,015.45

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.28

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

759

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

99.2

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000118370

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$862.22

$2,479.20

$206.60

$1,218.96

$101.58

$0.00

$1,170.40

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.128

1.127

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

759

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

83.0

71.72

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000118372

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$837.58

$2,490.00

$207.50

$745.44

$62.12

$0.00

$1,107.20

N/A

xxxxx

999.99%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.49

1.492

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

759

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

108.6

74.56

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000118374

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$942.69

$3,627.84

$302.32

$1,493.04

$124.42

$0.00

$1,369.43

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.095

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

759

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

98.7

73.97

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000118377

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$887.51

$2,849.76

$237.48

$1,451.04

$120.92

$0.00

$1,245.91

N/A

xxxxx

999.99%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.043

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

763

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

103.1

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000118385

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$2,691.56

$2,576.76

$214.73

$264.00

$22.00

$2,100.00

$175.00

$0.00

$3,103.29

Yes

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.063

1.06

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

747

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

12.2

xxxxx

19.5

75.0

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Suburban

xxxxx

4000118510

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

11370.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

7.875%

$3,625.35

$15,526.44

$1,293.87

$1,779.00

$148.25

$0.00

$5,067.47

$10,074.16

N/A

xxxxx

31.73%

37.73%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025

Borrower - 1 YR Executed 4506T Verified - 2026, 2025

xxxxx

xx/xx/xxxx

718

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

10.8

xxxxx

10.8

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000118653

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

7840.88

xx/xx/xxxx

5.990%

Manual Underwriting

xxxxx

6.375%

$4,679.02

$6,184.92

$515.41

$3,576.96

$298.08

$1,800.00

$150.00

$0.00

$5,642.51

$5,480.19

N/A

xxxxx

Monthly

50.73%

Self-Employed

12 Month Bank Statement

N/A

Yes

Missing

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

754

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

7.6

xxxxx

7.6

54.55

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000118665

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$3,792.41

$15,370.56

$1,280.88

$1,004.16

$83.68

$2,844.00

$237.00

$0.00

$5,393.97

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.01

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

720

Unknown

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

5.5

xxxxx

5.5

58.25

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000119061

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

5225.00

xx/xx/xxxx

5.990%

Manual Underwriting

xxxxx

6.375%

$1,185.35

$13,653.96

$1,137.83

$2,595.00

$216.25

$0.00

$2,539.43

$8,772.55

N/A

xxxxx

32.37%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025 || Co Borrower - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified - 2025 || Co Borrower - 3 YRS Executed 4506T Verified

xxxxx

xx/xx/xxxx

737

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

69.5

xxxxx

69.5

26.21

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000119287

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$6,636.39

Yes

25.000%

$22,087.32

$1,840.61

$2,556.96

$213.08

$0.00

$8,690.08

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.013

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

762

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

79.0

xxxxx

79.0

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000119613

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

APOR Threshold

2190.00

xx/xx/xxxx

6.180%

Manual Underwriting

xxxxx

6.875%

$5,255.43

$10,055.52

$837.96

$1,302.60

$108.55

$0.00

$6,201.94

$11,729.81

N/A

xxxxx

48.84%

46.68%

51.72%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Yes

Work Number

Borrower - Wage, Overtime, Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified - 2026, 2025, 2024 || Co Borrower - Wage, Overtime, Bonus - Written VOE Verified - 2026, 2025, 2024

Borrower - 2026, 2025, 2024 || Co Borrower - 2026, 2025, 2024

xxxxx

xx/xx/xxxx

810

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Passport

xxxxx

xx/xx/xxxx

USA

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

41.3

xxxxx

41.3

50.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

ARM

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000119860

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

4247.00

xx/xx/xxxx

6.120%

Manual Underwriting

xxxxx

6.875%

$2,885.23

$1,344.60

$112.05

$2,620.20

$218.35

$300.00

$25.00

$0.00

$3,240.63

$17,222.37

N/A

xxxxx

Annually

26.69%

22.41%

Retired

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

84.0

Yes

N/A

0.00%

Proceeds from Sale

N/A

Borrower - Asset Depletion - Personal Bank Statements Verified || Co Borrower

Borrower || Co Borrower

xxxxx

xx/xx/xxxx

796

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

579.4

xxxxx

579.4

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000119909

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$2,672.36

$8,646.12

$720.51

$1,301.28

$108.44

$1,584.00

$132.00

$0.00

$3,633.31

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.75

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

807

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

101.4

69.59

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000119920

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$2,340.25

7.500%

$5,128.74

$14,956.20

$1,246.35

$1,509.96

$125.83

$840.00

$70.00

$0.00

$6,570.92

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.776

0.81

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

729

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

46.9

xxxxx

46.9

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

5%, 5%

xxxxx

Suburban

xxxxx

4000120150

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.375%

$2,283.36

$9,742.80

$811.90

$1,608.96

$134.08

$75.00

$6.25

$0.00

$3,235.59

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.754

0.75

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

780

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

146.3

xxxxx

146.3

74.69

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000120158

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$8,186.56

$12,213.24

$1,017.77

$1,834.44

$152.87

$0.00

$9,357.20

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.069

1.08

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

720

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

208.6

xxxxx

209.1

46.7

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <1% of Loan Amount or $2000

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000120245

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

6915.00

xx/xx/xxxx

6.130%

Manual Underwriting

xxxxx

7.125%

$3,466.28

$4,062.36

$338.53

$4,669.08

$389.09

$849.96

$70.83

$0.00

$4,264.73

$4,588.27

xxxxx

Annually

44.50%

52.12%

Employed

2YR Full Doc

1 Month

N/A

0.00%

N/A

Yes

Work Number

N/A

Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

720

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

27.2

xxxxx

27.2

70.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000120305

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

$6,149.88

$11,046.00

$920.50

$4,795.56

$399.63

$24,996.00

$2,083.00

$0.00

$9,553.01

Yes

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.361

1.31

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

773

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

40.9

xxxxx

40.9

75.0

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

ARM

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000120589

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$3,000.00

6.625%

$2,241.09

$1,073.04

$89.42

$906.00

$75.50

$3,468.00

$289.00

$0.00

$2,695.01

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

0.909

xxxxx

xx/xx/xxxx

788

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

71.0

xxxxx

71.0

58.33

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000120712

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.000%

$1,721.47

Yes

25.000%

$4,329.60

$360.80

$992.04

$82.67

$0.00

$2,164.94

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.062

1.06

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

779

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.4

xxxxx

6.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000120822

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$3,121.93

$5,255.28

$437.94

$2,333.04

$194.42

$0.00

$3,754.29

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.879

0.85

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

710

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

76.9

57.86

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000121093

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$3,413.50

$7,850.52

$654.21

$1,971.96

$164.33

$0.00

$4,232.04

$10,523.11

N/A

xxxxx

29.84%

29.85%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2026, 2025

Borrower - 2026, 2025

xxxxx

xx/xx/xxxx

798

Unknown

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

20.7

xxxxx

20.7

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000121105

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1790.00

xx/xx/xxxx

6.020%

Manual Underwriting

xxxxx

6.500%

$8,393.88

$10,717.08

$893.09

$4,791.48

$399.29

$0.00

$9,686.26

$16,714.57

N/A

xxxxx

41.28%

42.75%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

84.0

Yes

0.00%

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2026 || Co Borrower - Asset Depletion - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2026

Borrower - 2 YRS Executed 4506T Verified - 2026 || Co Borrower - 2 YRS Executed 4506T Verified - 2026

xxxxx

xx/xx/xxxx

773

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

70.8

xxxxx

70.8

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

4.18

xxxxx

Suburban

xxxxx

4000121227

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,435.02

$2,982.24

$248.52

$955.68

$79.64

$0.00

$1,763.18

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.361

1.36

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

735

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

74.4

xxxxx

74.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000121229

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

27200.00

xx/xx/xxxx

6.020%

Manual Underwriting

xxxxx

7.125%

$9,162.57

$15,051.48

$1,254.29

$5,677.92

$473.16

$2,928.00

$244.00

$0.00

$11,134.02

$13,772.98

N/A

xxxxx

Monthly

44.91%

Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

N/A

Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

777

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

1.2

xxxxx

9.3

78.39

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000121276

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1740.00

xx/xx/xxxx

6.020%

Manual Underwriting

xxxxx

6.375%

$1,675.09

$3,860.40

$321.70

$1,104.84

$92.07

$500.04

$41.67

$0.00

$2,130.53

$3,651.79

N/A

xxxxx

Annually

37.40%

Employed

2YR Full Doc

Less than 1 Month

Yes

0.00%

Stocks/Bonds

N/A

Yes

Work Number

Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025

Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025

xxxxx

xx/xx/xxxx

802

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

20.7

xxxxx

146.6

30.92

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000121573

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,668.94

$2,337.48

$194.79

$1,485.96

$123.83

$0.00

$2,987.56

$96,846.85

N/A

xxxxx

37.91%

35.80%

Yes

Self-Employed

Not Employed

2YR Full Doc

N/A

Yes

N/A

0.00%

100.00%

Borrower Prepared

Borrower

N/A

Borrower - SESCorp, SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024 || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024 || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified

xxxxx

xx/xx/xxxx

740

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

166.4

xxxxx

196.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000121594

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1495.00

xx/xx/xxxx

6.020%

Manual Underwriting

xxxxx

6.750%

$2,853.83

$2,945.64

$245.47

$1,555.68

$129.64

$7,500.00

$625.00

$0.00

$3,853.94

$37,279.05

Yes

xxxxx

04/01/2026

Monthly

27.43%

26.66%

Yes

Employed

Not Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

N/A

Yes

Other

N/A

Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024 || Co Borrower - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024 || Co Borrower - 3 YRS Executed 4506T Verified

xxxxx

xx/xx/xxxx

798

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

439.3

xxxxx

439.3

80.0

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000121600

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,488.12

$1,033.32

$86.11

$654.96

$54.58

$0.00

$2,628.81

$85,983.69

N/A

xxxxx

37.91%

42.84%

Yes

Self-Employed

Not Employed

2YR Full Doc

N/A

Yes

N/A

0.00%

90.00%

Borrower Prepared

Borrower

N/A

Yes

Borrower - SESCorp, SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1, Extension), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1, Extension), 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025

xxxxx

xx/xx/xxxx

740

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

189.1

xxxxx

262.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

34.4

xxxxx

Urban

xxxxx

4000121604

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$1,886.13

$1,808.52

$150.71

$639.00

$53.25

$2,040.00

$170.00

$0.00

$2,260.09

$81,199.30

N/A

xxxxx

Monthly

37.91%

46.02%

Yes

Self-Employed

Not Employed

2YR Full Doc

N/A

Yes

N/A

0.00%

100.00%

Borrower Prepared

Borrower

N/A

Yes

Borrower - SESCorp, SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2023, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2023, 2025

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2023, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2023, 2025

xxxxx

xx/xx/xxxx

740

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

219.9

xxxxx

263.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

34.4

xxxxx

Suburban

xxxxx

4000121617

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

15500.00

xx/xx/xxxx

6.020%

Manual Underwriting

xxxxx

7.250%

$4,434.15

$28,169.76

$2,347.48

$2,267.04

$188.92

$0.00

$6,970.55

$53,543.73

N/A

xxxxx

16.39%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

0.00%

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

792

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

8.7

xxxxx

8.7

46.43

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

11.23

xxxxx

Suburban

xxxxx

4000121802

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.000%

$2,220.45

$4,705.92

$392.16

$561.00

$46.75

$6,204.00

$517.00

$0.00

$3,176.36

$11,978.70

Yes

xxxxx

Monthly

41.45%

40.70%

Yes

Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

N/A

Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

799

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.3

xxxxx

126.6

75.0

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

Yes

2.92

xxxxx

Suburban

xxxxx

4000121807

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

9600.00

xx/xx/xxxx

6.120%

Manual Underwriting

xxxxx

6.750%

$3,113.27

$5,475.72

$456.31

$1,652.40

$137.70

$0.00

$3,707.28

$33,163.23

N/A

xxxxx

35.13%

34.67%

Yes

Self-Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

20.00%

N/A

Yes

FNMA 1005

Borrower - Wage, Commission, SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - 2025, 2024, 2023, 2026

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1) - 2025, 2024, 2023, 2026

xxxxx

xx/xx/xxxx

777

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

40.0

xxxxx

40.0

62.34

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

17.19

xxxxx

Urban

xxxxx

4000121900

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

$4,978.13

$8,757.60

$729.80

$213.96

$17.83

$9,000.00

$750.00

$0.00

$6,475.76

Yes

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.004

1.003

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

741

Unknown

xxxxx

Other

USA PATRIOT ACT INFORMATION FORM

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

45.4

61.13

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000122087

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

3298.00

xx/xx/xxxx

6.120%

Manual Underwriting

xxxxx

6.750%

$1,135.05

$6,307.08

$525.59

$1,005.00

$83.75

$3,600.00

$300.00

$0.00

$2,044.39

$4,293.37

Yes

xxxxx

Monthly

48.15%

Employed

2YR Full Doc

1 Month

N/A

Yes

N/A

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Retirement, Retirement, Retirement, Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

787

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

364.2

xxxxx

364.2

53.85

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000122121

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$2,318.71

$3,604.80

$300.40

$1,517.04

$126.42

$0.00

$2,745.53

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.002

1.006

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

784

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

7.6

xxxxx

7.6

68.8

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000122323

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2625.00

xx/xx/xxxx

6.120%

Manual Underwriting

xxxxx

6.500%

$7,888.21

$17,394.00

$1,449.50

$7,578.00

$631.50

$0.00

$9,969.21

$18,073.56

N/A

xxxxx

35.77%

Self-Employed

2YR Full Doc

2+ Months

N/A

Yes

0.00%

100.00%

Stocks/Bonds

N/A

Yes

Other

Borrower - Wage, SESCorp, Overtime - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2023, 2024, 2025, 2026

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025, 2026

xxxxx

xx/xx/xxxx

782

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

70.8

xxxxx

70.8

80.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000122397

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$3,326.51

$12,808.08

$1,067.34

$1,778.52

$148.21

$852.00

$71.00

$0.00

$4,613.06

N/A

xxxxx

Monthly

0.00%

Yes

3 - Verified<2Mos

1 - Not Stated, Not Verified

Unknown

.00

Debt Service Coverage Ratio

0.00%

Yes

1.051

1.04

xxxxx

xx/xx/xxxx

757

812

800

808

Unknown

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

US Citizen

xxxxx

Other

USA Patriot Act

United States

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

136.7

xxxxx

136.7

43.48

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000122405

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

1995.00

xx/xx/xxxx

6.120%

Manual Underwriting

xxxxx

6.125%

$13,975.04

$20,151.12

$1,679.26

$11,039.04

$919.92

$174.96

$14.58

$0.00

$16,588.80

$38,780.62

N/A

xxxxx

Annually

36.58%

36.54%

Not Employed

Asset Utilization (with DTI)

N/A

84.0

N/A

0.00%

Stocks/Bonds

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified

xxxxx

xx/xx/xxxx

807

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

596.9

xxxxx

663.2

65.71

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000122553

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

6575.00

xx/xx/xxxx

6.120%

Manual Underwriting

xxxxx

6.125%

$1,519.03

$10,312.56

$859.38

$2,607.36

$217.28

$0.00

$2,595.69

$8,977.76

N/A

xxxxx

21.81%

28.01%

Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

N/A

Yes

Work Number

Borrower - Wage, Overtime, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2026, 2025, 2024

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2026, 2025, 2024

xxxxx

xx/xx/xxxx

782

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

20.1

xxxxx

20.1

30.3

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

13.11

xxxxx

Suburban

xxxxx

4000122666

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$3,275.01

Yes

11.375%

$2,224.32

$185.36

$3,261.96

$271.83

$0.00

$3,732.20

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.366

1.19

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

790

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

Unknown

N/A

xxxxx

6.6

xxxxx

6.6

72.41

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <2% of Loan Amount or $2000

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Urban

xxxxx

4000122686

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$11,028.65

$28,879.32

$2,406.61

$1,281.96

$106.83

$11,340.00

$945.00

$0.00

$14,487.09

Yes

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.035

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

758

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

73.3

xxxxx

73.3

50.0

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Yes

xxxxx

Urban

xxxxx

4000122792

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$3,382.16

6.750%

$11,606.66

$23,387.88

$1,948.99

$13,875.96

$1,156.33

$0.00

$14,711.98

N/A

xxxxx

0.00%

Yes

4 - Verified 2+ Mos

1 - Not Stated, Not Verified

Unknown

.00

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.287

1.26

N/A

xxxxx

xx/xx/xxxx

753

752

787

753

772

754

747

753

754

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

US Citizen

xxxxx

Standard Driver's License - Not for federal use

United States

xx/xx/xxxx

United States

xx/xx/xxxx

N/A

US Citizen

xxxxx

Standard Driver's License - Not for federal use

United States

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

168.3

xxxxx

168.3

52.63

N/A

Yes

Member on Behalf of Entity

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000122808

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$3,744.49

$9,793.92

$816.16

$5,549.04

$462.42

$0.00

$5,023.07

N/A

xxxxx

2605.88%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.07

1.12

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

808

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

30.7

xxxxx

30.7

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%

xxxxx

Suburban

xxxxx

4000123003

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

9500.81

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

7.000%

$3,732.35

$7,324.32

$610.36

$2,273.04

$189.42

$0.00

$4,532.13

$7,793.25

N/A

xxxxx

49.96%

49.95%

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

100.00%

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2026, 2025

Borrower - 3 YRS Executed 4506T Verified - 2026, 2025

xxxxx

xx/xx/xxxx

663

Unknown

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

28.3

51.94

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000123205

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$2,369.79

Yes

25.000%

$8,750.04

$729.17

$3,494.04

$291.17

$0.00

$3,390.13

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.416

1.32

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

757

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

110.3

xxxxx

110.3

65.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%, 5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000123239

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1690.00

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

6.625%

$4,354.11

$2,934.84

$244.57

$1,362.00

$113.50

$6,999.96

$583.33

$0.00

$5,295.51

$27,119.60

Yes

xxxxx

Annually

39.49%

40.25%

Yes

Not Employed

Self-Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

100.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower Prepared

Borrower

N/A

Borrower - Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 || Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025, 2026

Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS IRS Transcripts Verified - 2023, 2024, 2025, 2026

xxxxx

xx/xx/xxxx

770

Unknown

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

104.5

xxxxx

167.7

80.0

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

9.92

xxxxx

Suburban

xxxxx

4000123240

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$8,142.19

$9,278.76

$773.23

$2,016.00

$168.00

$0.00

$9,083.42

$31,869.87

N/A

xxxxx

0.00%

45.48%

Yes

Employed

2YR Full Doc

N/A

0.00%

N/A

Yes

Work Number

N/A

Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other, Subject Property Net Rental Income(Loss) if NOO, Bonus - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025, 2026, 2023

Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025, 2026, 2023

xxxxx

xx/xx/xxxx

793

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

32.0

xxxxx

32.0

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000123246

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$1,379.55

$6,861.84

$571.82

$3,607.20

$300.60

$7,716.00

$643.00

$0.00

$2,894.97

Yes

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.468

1.3

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

733

Unknown

xxxxx

Other

USA PATRIOT ACT DISCLOSURE

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

5.4

xxxxx

5.4

51.22

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000123278

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$10,694.59

$7,812.60

$651.05

$8,085.00

$673.75

$1,800.00

$150.00

$0.00

$12,169.39

$69,656.84

N/A

xxxxx

Monthly

29.16%

29.18%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

99.00%

N/A

Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025

Borrower - 3 YRS Executed 4506T Verified - 2026, 2025

xxxxx

xx/xx/xxxx

799

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

200.2

xxxxx

200.2

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

6 Months Interest

xxxxx

7.43

xxxxx

Suburban

xxxxx

4000123282

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.490%

$15,416.92

Yes

24.000%

$16,908.84

$1,409.07

$3,225.00

$268.75

$0.00

$17,094.74

$40,032.75

N/A

xxxxx

49.73%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

0.00%

100.00%

N/A

Yes

N/A

Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025, 2024, 2023

Borrower - 2025, 2024, 2023

xxxxx

xx/xx/xxxx

711

Unknown

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

74.8

65.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

5%, 1%, 1%, 1%, 1%

xxxxx

Suburban

xxxxx

4000123388

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

11295.00

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

6.500%

$4,095.80

$25,191.00

$2,099.25

$3,291.96

$274.33

$1,220.04

$101.67

$0.00

$6,571.05

$17,291.62

N/A

xxxxx

Annually

35.83%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

85.00%

N/A

Yes

N/A

Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

751

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

9.8

xxxxx

9.8

80.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000123396

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2959.41

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

6.875%

$6,089.73

$13,427.40

$1,118.95

$1,098.12

$91.51

$0.00

$7,300.19

$8,269.81

N/A

xxxxx

48.95%

Employed

Written Verification of Employment

N/A

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage - Written VOE Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

742

Unknown

xxxxx

Other

Perm Resident Card

xxxxx

xx/xx/xxxx

I-551 Stamp and Passport

xx/xx/xxxx

Fee Simple

N/A

xxxxx

32.7

xxxxx

32.7

74.16

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000123484

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

5175.25

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

7.125%

$2,937.41

$1,518.48

$126.54

$922.32

$76.86

$0.00

$3,140.81

$4,492.19

N/A

xxxxx

41.72%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

N/A

0.00%

N/A

Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - 2026

Borrower - 2 YRS Executed 4506T Verified - 2026

xxxxx

xx/xx/xxxx

800

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

299.0

xxxxx

299.0

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000123493

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

$1,592.58

$7,471.56

$622.63

$4,819.44

$401.62

$0.00

$2,616.83

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.822

0.79

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

694

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

20.7

xxxxx

20.7

65.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000123512

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.000%

$6,386.90

$8,881.44

$740.12

$1,602.72

$133.56

$399.96

$33.33

$0.00

$7,293.91

$15,908.95

N/A

xxxxx

Annually

49.09%

Yes

Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

Stocks/Bonds,Stocks/Bonds

N/A

Yes

Work Number

Yes

Work Number

Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

778

Unknown

xxxxx

Missing

xxxxx

xx/xx/xxxx

N/A

xxxxx

Missing

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

48.7

xxxxx

48.7

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

Yes

9.75

xxxxx

Suburban

xxxxx

4000123529

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

$4,814.29

$5,050.56

$420.88

$4,580.04

$381.67

$0.00

$5,616.84

$6,740.75

N/A

xxxxx

44.00%

45.85%

Yes

Employed

2YR Full Doc

1 Month

N/A

0.00%

N/A

Yes

Work Number

Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2026, 2025, 2024

Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2026, 2025, 2024

xxxxx

xx/xx/xxxx

737

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

8.0

xxxxx

8.0

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

5%, 5%

xxxxx

Yes

2.6

xxxxx

Urban

xxxxx

4000123530

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

8.250%

8.000%

$5,521.81

Yes

16.500%

$9,098.04

$758.17

$3,381.96

$281.83

$0.00

$6,561.81

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.96

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

716

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.2

xxxxx

6.2

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Urban

xxxxx

4000123562

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$1,367.28

$2,057.40

$171.45

$575.40

$47.95

$480.00

$40.00

$0.00

$1,626.68

N/A

xxxxx

Monthly

77.46%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.291

1.22

xxxxx

xx/xx/xxxx

742

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

33.1

xxxxx

33.1

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000123630

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

13575.00

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

6.500%

$7,584.82

$19,467.96

$1,622.33

$3,855.96

$321.33

$6,999.96

$583.33

$0.00

$10,111.81

$13,971.32

N/A

xxxxx

Annually

41.54%

42.61%

Self-Employed

12 Month 1099

N/A

Yes

N/A

0.00%

100.00%

N/A

Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026

xxxxx

xx/xx/xxxx

750

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

18.9

xxxxx

18.9

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000123686

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,438.67

Yes

25.000%

$5,249.28

$437.44

$848.04

$70.67

$0.00

$1,946.78

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.413

1.25

xxxxx

xx/xx/xxxx

766

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

106.5

xxxxx

106.5

54.75

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <2% of Loan Amount or $2000

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000123751

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$2,891.00

$9,880.92

$823.41

$2,965.08

$247.09

$0.00

$3,961.50

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.035

1.034

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

790

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

8.7

xxxxx

8.7

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000123800

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

10294.25

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.625%

$7,683.09

$18,750.00

$1,562.50

$2,818.20

$234.85

$0.00

$9,480.44

$28,597.08

N/A

xxxxx

25.12%

Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

Stocks/Bonds,Stocks/Bonds,Stocks/Bonds

N/A

Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2025, 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2025, 2024

Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025, 2024 || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025, 2024

xxxxx

xx/xx/xxxx

797

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

66.9

xxxxx

66.9

79.99

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

2.46

4.5

xxxxx

Suburban

xxxxx

4000123814

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

$1,247.40

$1,503.36

$125.28

$1,498.20

$124.85

$0.00

$1,497.53

N/A

xxxxx

90202.43%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.002

1.02

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

720

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

11.7

xxxxx

11.7

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Urban

xxxxx

4000123855

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$1,592.54

$3,940.56

$328.38

$1,388.04

$115.67

$1,260.00

$105.00

$0.00

$2,141.59

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.809

0.77

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

799

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

46.1

xxxxx

46.1

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

2%, 2%, 2%

xxxxx

Suburban

xxxxx

4000123873

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

8.250%

8.000%

$2,856.69

$8,148.12

$679.01

$2,284.68

$190.39

$8,892.00

$741.00

$0.00

$4,467.09

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.851

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

775

Unknown

xxxxx

Other

Permanent Resident Alien Card

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

0.0

xxxxx

83.0

65.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

ARM

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000123971

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.625%

$1,408.17

$2,947.80

$245.65

$2,560.80

$213.40

$150.00

$12.50

$0.00

$1,879.72

$6,783.75

N/A

xxxxx

Annually

41.48%

Yes

Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

N/A

Yes

Work Number

Yes

Work Number

Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024

Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024

xxxxx

xx/xx/xxxx

805

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

11.5

xxxxx

11.5

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

5.1

xxxxx

Suburban

xxxxx

4000123993

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,264.77

$3,238.32

$269.86

$1,248.96

$104.08

$1,500.00

$125.00

$0.00

$1,763.71

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.559

1.55

xxxxx

xx/xx/xxxx

727

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

13.6

xxxxx

13.6

39.39

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000124021

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.750%

6.875%

$8,279.35

$19,513.08

$1,626.09

$2,313.96

$192.83

$0.00

$10,098.27

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.045

1.01

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

746

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

11.4

xxxxx

6.1

74.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Urban

xxxxx

4000124022

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

22390.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

5.875%

$5,678.76

$9,693.84

$807.82

$2,939.04

$244.92

$0.00

$6,731.50

$11,326.50

N/A

xxxxx

41.74%

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

50.00%

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - 2026, 2025

Borrower - 2026, 2025

xxxxx

xx/xx/xxxx

782

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

9.9

xxxxx

9.9

64.21

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000124059

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

20325.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.250%

$7,388.61

$23,102.04

$1,925.17

$6,180.96

$515.08

$0.00

$9,828.86

$640,915.34

N/A

xxxxx

2.16%

Self-Employed

12 Month Bank Statement

N/A

Yes

99.49%

100.00%

N/A

Yes

180

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

746

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

64.6

xxxxx

64.6

34.29

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000124141

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

5901.27

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.375%

$2,288.05

$4,177.20

$348.10

$1,739.76

$144.98

$1,692.00

$141.00

$0.00

$2,922.13

$25,802.91

N/A

xxxxx

Monthly

21.25%

21.26%

Yes

Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

Stocks/Bonds

N/A

Yes

Work Number

Yes

Work Number

Yes

Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

799

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

74.6

xxxxx

74.6

75.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000124144

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.750%

$2,172.80

$7,952.88

$662.74

$1,863.00

$155.25

$0.00

$2,990.79

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.739

1.73

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

717

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

10.6

xxxxx

11.0

58.26

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <2% of Loan Amount or $2000

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000124154

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$2,193.88

$31,852.92

$2,654.41

$2,451.00

$204.25

$0.00

$3,003.17

$17,260.43

N/A

xxxxx

43.08%

38.28%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

797

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

9.3

xxxxx

9.3

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

Suburban

xxxxx

4000124157

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$2,058.00

Yes

26.000%

$16,789.80

$1,399.15

$4,383.00

$365.25

$1,310.04

$109.17

$0.00

$3,931.57

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.89

0.97

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

727

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

10.5

xxxxx

10.5

49.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Suburban

xxxxx

4000124161

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$11,115.24

$7,825.56

$652.13

$5,565.96

$463.83

$1,800.00

$150.00

$0.00

$12,381.20

$42,128.31

N/A

xxxxx

Monthly

15.00%

43.74%

Yes

Self-Employed

1YR Full Doc

N/A

0.00%

100.00%

Borrower Prepared

Borrower

Yes

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024

Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024

xxxxx

xx/xx/xxxx

780

Unknown

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

25.7

xxxxx

25.7

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000124173

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

$1,519.49

$5,902.68

$491.89

$1,328.04

$110.67

$0.00

$2,122.05

N/A

xxxxx

696808.00%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.626

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

727

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

64.1

xxxxx

64.1

59.46

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000124218

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

3112.50

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.500%

$2,623.08

$7,500.48

$625.04

$803.64

$66.97

$4,800.00

$400.00

$0.00

$3,715.09

$11,985.90

xxxxx

Monthly

31.14%

31.07%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

787

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

5.0

xxxxx

5.0

66.4

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

5.14

xxxxx

Suburban

xxxxx

4000124221

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

11655.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.990%

$3,243.40

$10,476.12

$873.01

$1,260.96

$105.08

$0.00

$4,221.49

$6,501.08

N/A

xxxxx

41.64%

Yes

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

100.00%

Audited

Tax Preparer

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025

Borrower - 2025

xxxxx

xx/xx/xxxx

764

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

8.1

xxxxx

8.1

80.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

5.42

xxxxx

Suburban

xxxxx

4000124222

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

7860.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.875%

$1,839.40

$19,956.36

$1,663.03

$1,220.04

$101.67

$0.00

$3,604.10

$5,089.90

N/A

xxxxx

47.98%

47.80%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage - Written VOE Verified - 2026, 2025, 2024

Borrower - 2026, 2025, 2024

xxxxx

xx/xx/xxxx

676

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

0.0

xxxxx

48.5

23.33

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000124288

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.250%

$3,028.86

$3,575.28

$297.94

$1,512.96

$126.08

$0.00

$3,452.88

$6,732.98

N/A

xxxxx

34.91%

33.22%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

Stocks/Bonds

N/A

Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

762

Unknown

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

9.5

xxxxx

11.5

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000124297

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

10410.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.500%

$5,195.60

$16,313.40

$1,359.45

$1,998.96

$166.58

$0.00

$6,721.63

$13,681.12

N/A

xxxxx

34.97%

Yes

Not Employed

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

75.00%

N/A

Audited

CPA

Yes

N/A

Borrower || Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026

Borrower || Co Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

736

Unknown

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

17.8

xxxxx

17.8

60.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000124376

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

5470.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.625%

$2,100.22

$7,872.60

$656.05

$1,478.04

$123.17

$0.00

$2,879.44

$5,536.16

N/A

xxxxx

48.74%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Written VOE Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

778

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

3.6

xxxxx

11.0

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000124387

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$1,763.05

$2,531.76

$210.98

$1,766.64

$147.22

$0.00

$2,121.25

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.318

1.31

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

770

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

45.3

62.06

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000124462

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$3,925.28

$19,064.40

$1,588.70

$2,858.04

$238.17

$0.00

$5,752.15

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.608

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

800

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

4.6

43.7

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 5%

xxxxx

Suburban

xxxxx

4000124471

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$4,221.75

$15,046.32

$1,253.86

$4,331.04

$360.92

$968.04

$80.67

$0.00

$5,917.20

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.634

0.633

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

783

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

624.9

xxxxx

624.9

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Other

xxxxx

Suburban

xxxxx

4000124482

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

$3,295.50

$14,666.76

$1,222.23

$3,320.04

$276.67

$0.00

$4,794.40

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.543

xxxxx

xx/xx/xxxx

672

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

30.2

37.74

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000124516

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.750%

$1,661.71

Yes

13.500%

$3,038.52

$253.21

$1,661.04

$138.42

$474.96

$39.58

$0.00

$2,092.92

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.171

1.17

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

773

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

Yes

N/A

xxxxx

3.3

xxxxx

3.3

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

ARM

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Suburban

xxxxx

4000124532

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

5902.50

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

8.750%

$1,475.06

$1,486.92

$123.91

$1,952.88

$162.74

$756.00

$63.00

$0.00

$1,824.71

$12,301.95

N/A

xxxxx

Monthly

20.43%

21.00%

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

100.00%

Audited

CPA

Yes

120

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

703

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

106.9

xxxxx

106.9

75.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000124535

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

10718.63

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.250%

$7,506.52

$27,395.64

$2,282.97

$1,925.16

$160.43

$600.00

$50.00

$0.00

$9,999.92

$10,010.02

N/A

xxxxx

Annually

49.98%

Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

N/A

Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Lease Agreements Verified - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

777

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

12.7

xxxxx

12.7

73.87

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000124617

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.250%

$2,510.41

$6,978.84

$581.57

$966.96

$80.58

$0.00

$3,172.56

N/A

xxxxx

50635700.00%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.103

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

773

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.4

xxxxx

6.4

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000124620

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

13785.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.250%

$2,709.16

$10,670.04

$889.17

$2,249.64

$187.47

$549.96

$45.83

$0.00

$3,831.63

$13,010.60

N/A

xxxxx

Annually

40.05%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

0.00%

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 || Co Borrower

Borrower - 2025, 2026 || Co Borrower

xxxxx

xx/xx/xxxx

757

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

35.4

xxxxx

35.4

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000124630

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.125%

$2,027.89

$3,221.04

$268.42

$2,009.04

$167.42

$0.00

$2,463.73

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.013

1.01

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

711

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

40.7

45.47

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000124689

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$1,347.44

$8,652.12

$721.01

$2,751.96

$229.33

$0.00

$2,297.78

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.893

1.25

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

737

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

82.0

28.57

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000124706

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2763.80

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

7.250%

$3,329.02

$6,487.20

$540.60

$4,181.04

$348.42

$1,265.04

$105.42

$0.00

$4,323.46

$9,411.04

N/A

xxxxx

Annually

48.78%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

755

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

111.1

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000124710

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1495.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.625%

$1,726.28

$5,696.16

$474.68

$2,700.96

$225.08

$735.00

$61.25

$0.00

$2,487.29

$4,588.71

N/A

xxxxx

Annually

42.99%

42.64%

Employed

Written Verification of Employment

N/A

0.00%

Stocks/Bonds

N/A

Yes

FNMA 1005

N/A

Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

763

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

17.4

xxxxx

17.4

80.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000124712

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,010.20

$9,486.12

$790.51

$2,397.00

$199.75

$165.00

$13.75

$0.00

$3,014.21

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.095

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

800

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

5.7

xxxxx

5.7

69.7

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Suburban

xxxxx

4000124716

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1740.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.625%

$6,838.52

$6,407.64

$533.97

$4,586.76

$382.23

$0.00

$7,754.72

$10,078.23

N/A

xxxxx

43.92%

Employed

2YR Full Doc

1 Month

N/A

0.00%

Stocks/Bonds

N/A

Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2025, 2026, 2024 || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2025, 2026, 2024

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026, 2024 || Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026, 2024

xxxxx

xx/xx/xxxx

774

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

56.6

xxxxx

56.6

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

1.6

xxxxx

Suburban

xxxxx

4000124721

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

1750.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.625%

$6,403.11

$12,251.16

$1,020.93

$4,376.04

$364.67

$0.00

$7,788.71

$16,527.52

N/A

xxxxx

36.20%

36.19%

Not Employed

Asset Utilization (with DTI)

N/A

84.0

Yes

N/A

0.00%

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified

xxxxx

xx/xx/xxxx

735

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

78.1

xxxxx

78.1

37.06

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000124730

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2390.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.875%

$2,764.03

$5,780.16

$481.68

$1,331.04

$110.92

$129.96

$10.83

$0.00

$3,367.46

$6,209.79

N/A

xxxxx

Annually

51.10%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified, Lease Agreements Verified - 2026, 2025, 2024

Borrower - 2026, 2025, 2024

xxxxx

xx/xx/xxxx

806

Unknown

xxxxx

Employment Authorization Card

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

15.8

xxxxx

15.8

75.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000124793

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.125%

$1,670.93

$6,460.44

$538.37

$1,041.96

$86.83

$528.00

$44.00

$0.00

$2,340.13

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.015

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

792

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

30.2

xxxxx

30.2

57.89

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000124934

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$4,324.32

6.750%

$3,424.60

$15,637.68

$1,303.14

$1,379.04

$114.92

$0.00

$4,842.66

$6,795.76

N/A

xxxxx

29.07%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

86.25%

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

783

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

8.3

xxxxx

8.3

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

6 Months Interest

xxxxx

Yes

3.83

xxxxx

Urban

xxxxx

4000124940

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$2,401.17

$4,934.40

$411.20

$2,788.68

$232.39

$0.00

$3,044.76

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.018

1.02

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

733

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

235.6

xxxxx

235.6

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000124997

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

4730.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

7.500%

$1,776.00

$9,636.96

$803.08

$1,176.00

$98.00

$1,155.00

$96.25

$0.00

$2,773.33

$4,618.67

N/A

xxxxx

Annually

38.42%

Employed

Written Verification of Employment

N/A

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage - Written VOE Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

727

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.7

xxxxx

6.7

79.62

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000125027

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

$1,712.87

$6,965.40

$580.45

$929.04

$77.42

$1,980.00

$165.00

$0.00

$2,535.74

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.223

1.22

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

686

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

14.7

xxxxx

14.7

40.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000125038

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$2,124.74

$8,132.88

$677.74

$2,298.00

$191.50

$0.00

$2,993.98

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.954

1.975

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

796

Unknown

xxxxx

Other

USA PATRIOT ACT INFORMATION FORM

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

22.9

xxxxx

22.9

26.77

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000125079

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$5,323.31

Yes

16.000%

$8,168.04

$680.67

$2,478.96

$206.58

$0.00

$6,210.56

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.095

1.09

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

764

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

Unknown

N/A

xxxxx

7.3

xxxxx

7.3

69.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Other

xxxxx

Urban

xxxxx

4000125080

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$1,021.90

Yes

12.000%

$2,275.56

$189.63

$566.04

$47.17

$0.00

$1,258.70

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.271

1.25

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

794

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

Unknown

N/A

xxxxx

46.3

xxxxx

46.3

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000125093

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

$3,038.97

$5,466.36

$455.53

$2,267.04

$188.92

$0.00

$3,689.75

$8,497.42

N/A

xxxxx

48.00%

48.01%

Yes

Self-Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

100.00%

51.00%

Third-Party Prepared (Unaudited)

CPA

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Yes

Work Number

Borrower - SEPartnership, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Wage, SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

769

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

25.3

xxxxx

25.3

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

6 Months Interest

xxxxx

Yes

7.25

5.08

xxxxx

Suburban

xxxxx

4000125110

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$7,916.19

$10,508.76

$875.73

$2,494.80

$207.90

$0.00

$8,999.82

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.611

xxxxx

xx/xx/xxxx

739

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

32.4

40.52

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000125127

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$1,967.73

$6,105.72

$508.81

$807.00

$67.25

$0.00

$2,543.79

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.012

1.01

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

814

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

3.3

xxxxx

3.3

74.97

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000125128

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$1,216.55

$7,051.20

$587.60

$1,314.96

$109.58

$0.00

$1,913.73

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.202

1.44

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

795

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

20.5

xxxxx

20.5

59.09

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000125241

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

6612.10

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

6.750%

$3,210.56

$6,804.00

$567.00

$3,901.20

$325.10

$0.00

$4,102.66

$8,124.70

N/A

xxxxx

39.85%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Yes

N/A

Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2026, 2025

Borrower - 2026, 2025

xxxxx

xx/xx/xxxx

749

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

14.5

xxxxx

8.4

75.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

3.3

xxxxx

Rural

xxxxx

4000125244

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

10351.00

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

6.500%

$1,744.51

$2,162.88

$180.24

$1,875.96

$156.33

$0.00

$2,081.08

$3,933.38

N/A

xxxxx

37.38%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - 2026, 2025

Borrower - 2026, 2025

xxxxx

xx/xx/xxxx

802

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

54.3

xxxxx

54.3

80.0

Yes

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000125248

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$2,207.29

Yes

25.000%

$8,150.04

$679.17

$2,739.00

$228.25

$0.00

$3,114.71

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.348

1.36

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

769

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

22.7

xxxxx

22.7

65.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%, 5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000125287

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

14295.00

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

5.875%

$4,140.76

$9,084.00

$757.00

$1,725.96

$143.83

$0.00

$5,041.59

$9,049.33

N/A

xxxxx

48.19%

41.47%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2026, 2025

Borrower - 2026, 2025

xxxxx

xx/xx/xxxx

735

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

40.9

xxxxx

40.9

53.23

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000125289

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.125%

$1,768.51

$3,678.00

$306.50

$2,477.04

$206.42

$0.00

$2,281.43

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.885

1.7

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

796

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

62.1

xxxxx

62.1

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Urban

xxxxx

4000125291

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$1,929.69

Yes

25.000%

$7,125.00

$593.75

$2,612.04

$217.67

$0.00

$2,741.11

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.532

1.45

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

769

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

25.4

xxxxx

25.4

65.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%, 5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000125300

xxxxx

xx/xx/xxxx

QM: Higher Priced APOR (APOR HP)

Yes

N/A

9955.00

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

8.250%

$5,983.84

$11,215.92

$934.66

$3,330.00

$277.50

$0.00

$7,196.00

$11,292.08

N/A

xxxxx

39.02%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

816

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

9.1

75.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000125321

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Interest Only

2515.00

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

8.500%

6.500%

$10,847.79

$42,062.52

$3,505.21

$2,016.00

$168.00

$0.00

$14,521.00

$34,844.47

N/A

xxxxx

35.83%

38.09%

Employed

Written Verification of Employment

N/A

0.00%

Stocks/Bonds

N/A

Yes

Other

Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2026, 2025, 2024

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024

xxxxx

xx/xx/xxxx

803

Unknown

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

547.9

xxxxx

531.2

44.01

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

ARM

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000125335

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2190.00

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

6.500%

$4,724.71

$8,190.24

$682.52

$1,161.00

$96.75

$0.00

$5,503.98

$5,645.02

N/A

xxxxx

49.82%

49.71%

Employed

Written Verification of Employment

N/A

0.00%

Stocks/Bonds

N/A

Yes

FNMA 1005

Borrower - Wage, Bonus, Primary Residence Rent Income - Written VOE Verified - 2026, 2025, 2024

Borrower - 2026, 2025, 2024

xxxxx

xx/xx/xxxx

793

Unknown

xxxxx

Other

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

7.4

xxxxx

7.4

65.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000125355

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

3200.00

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

6.625%

$2,901.73

$10,760.28

$896.69

$3,900.60

$325.05

$0.00

$4,123.47

$13,874.46

N/A

xxxxx

25.55%

25.03%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

735

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

17.0

xxxxx

17.0

52.13

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

27.18

xxxxx

Suburban

xxxxx

4000125396

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

APOR Threshold

19440.00

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

6.500%

$8,722.54

$36,372.00

$3,031.00

$6,138.96

$511.58

$0.00

$12,265.12

$17,704.30

N/A

xxxxx

46.70%

43.31%

49.36%

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

50.00%

Audited

CPA

Audited

CPA

Yes

N/A

Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 || Co Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026

Borrower - 2025, 2026 || Co Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

727

Unknown

xxxxx

Other

Patriot Act Disclosure

xxxxx

xx/xx/xxxx

N/A

xxxxx

Other

Patriot Act

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

32.1

60.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

ARM

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000125401

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$3,335.84

$17,783.88

$1,481.99

$1,776.96

$148.08

$0.00

$4,965.91

$10,628.69

N/A

xxxxx

26.05%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

Stocks/Bonds

N/A

Yes

N/A

Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025

Borrower - 2 YRS Executed 4506T Verified - 2026, 2025

xxxxx

xx/xx/xxxx

763

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

10.1

xxxxx

10.1

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

Yes

3.62

xxxxx

Suburban

xxxxx

4000125406

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$997.95

Yes

25.000%

$4,847.40

$403.95

$696.96

$58.08

$0.00

$1,459.98

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.764

1.65

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

787

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

20.1

xxxxx

20.1

39.58

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Suburban

xxxxx

4000125461

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

3331.60

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

6.875%

$1,235.03

$380.64

$31.72

$926.16

$77.18

$200.04

$16.67

$0.00

$1,360.60

$14,376.97

N/A

xxxxx

Annually

24.66%

Yes

Employed

Not Employed

2YR Full Doc

1 Month

N/A

Yes

N/A

0.00%

Stocks/Bonds

N/A

Yes

122

Other

N/A

Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - SSI and Disability - Award Letter Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

786

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

250.0

xxxxx

250.0

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Rural

xxxxx

4000125532

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1675.00

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

7.000%

$14,345.59

$14,624.88

$1,218.74

$2,979.00

$248.25

$0.00

$15,812.58

$30,651.33

N/A

xxxxx

45.97%

4 - Verified 2+ Mos

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - SECorporation - Business Bank Statements Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

770

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

33.5

xxxxx

33.5

77.01

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000125544

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$2,212.13

$6,171.48

$514.29

$2,363.04

$196.92

$396.00

$33.00

$0.00

$2,956.34

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.827

1.79

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

733

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

5.0

xxxxx

5.0

44.33

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000125556

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1756.00

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

7.250%

$8,868.29

$13,572.36

$1,131.03

$4,462.08

$371.84

$9,600.00

$800.00

$0.00

$11,171.16

$175,628.01

N/A

xxxxx

Monthly

9.36%

9.41%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2026, 2025

Borrower - 2026, 2025

xxxxx

xx/xx/xxxx

771

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

30.9

xxxxx

30.9

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

4.23

xxxxx

Suburban

xxxxx

4000125578

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$2,175.63

$6,814.32

$567.86

$750.00

$62.50

$12,492.00

$1,041.00

$0.00

$3,846.99

Yes

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.91

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

755

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

163.3

xxxxx

163.3

70.0

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

3%, 2%, 1%

xxxxx

Urban

xxxxx

4000125587

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$2,193.52

$8,693.04

$724.42

$750.00

$62.50

$15,504.00

$1,292.00

$0.00

$4,272.44

Yes

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.819

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

755

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

147.5

xxxxx

147.5

70.0

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

3%, 2%, 1%

xxxxx

Urban

xxxxx

4000125609

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$3,991.81

$9,321.84

$776.82

$4,523.52

$376.96

$0.00

$5,145.59

N/A

xxxxx

1280.59%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.166

1.1

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

726

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

167.4

xxxxx

167.4

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Suburban

xxxxx

4000125610

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

2190.00

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

6.375%

$2,495.48

$10,759.92

$896.66

$1,425.00

$118.75

$1,488.00

$124.00

$0.00

$3,634.89

$6,179.42

N/A

xxxxx

Monthly

41.47%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

50.00%

N/A

Yes

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

789

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

13.9

xxxxx

13.9

61.54

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000125620

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$1,570.71

$3,557.28

$296.44

$1,565.40

$130.45

$3,768.00

$314.00

$0.00

$2,311.60

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.017

1.01

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

777

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

54.7

xxxxx

54.7

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000125623

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

6.750%

$2,394.76

$11,994.48

$999.54

$2,343.96

$195.33

$0.00

$3,589.63

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.393

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

798

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

24.9

xxxxx

24.9

46.17

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <2% of Loan Amount or $2000

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000125638

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

APOR Threshold

4605.00

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

8.500%

6.500%

$1,856.93

$1,500.00

$125.00

$1,134.00

$94.50

$615.00

$51.25

$0.00

$2,127.68

$3,321.32

N/A

xxxxx

Annually

45.57%

45.99%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

729

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

19.4

xxxxx

19.4

70.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

ARM

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

2.8

xxxxx

Suburban

xxxxx

4000125651

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$1,525.75

$1,730.52

$144.21

$2,349.96

$195.83

$0.00

$1,865.79

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.447

1.33

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

808

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

51.0

xxxxx

51.0

60.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000125690

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

4081.74

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

8.750%

$2,728.28

$5,279.04

$439.92

$2,625.96

$218.83

$0.00

$3,387.03

$4,673.93

N/A

xxxxx

44.65%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2026, 2025

Borrower - 2026, 2025

xxxxx

xx/xx/xxxx

757

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

16.3

xxxxx

16.3

85.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000125693

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,920.93

$9,818.16

$818.18

$4,300.68

$358.39

$16,800.00

$1,400.00

$0.00

$4,497.50

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.104

1.05

xxxxx

xx/xx/xxxx

727

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

22.4

27.03

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000125779

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

4310.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

7.125%

$3,126.05

$11,278.92

$939.91

$2,897.04

$241.42

$0.00

$4,307.38

$6,947.12

N/A

xxxxx

40.36%

40.47%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

702

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.5

xxxxx

6.5

80.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000125786

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

3373.00

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

6.375%

$8,110.31

$39,588.72

$3,299.06

$6,161.04

$513.42

$0.00

$11,922.79

$42,505.35

N/A

xxxxx

Monthly

42.38%

42.39%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

0.00%

100.00%

0.00%

Stocks/Bonds

N/A

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss)

Borrower - 2025, 2026 || Co Borrower

xxxxx

xx/xx/xxxx

761

Unknown

xxxxx

Other

USA PATRIOT ACT INFORMATION FORM

xxxxx

xx/xx/xxxx

N/A

xxxxx

Other

USA PATRIOT ACT INFORMATION FORM

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

36.0

xxxxx

36.0

65.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000125791

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2215.00

xx/xx/xxxx

6.430%

Manual Underwriting

xxxxx

6.375%

$13,690.20

$28,406.88

$2,367.24

$8,205.00

$683.75

$4,692.00

$391.00

$0.00

$17,132.19

$33,507.27

N/A

xxxxx

Annually

39.19%

Self-Employed

Not Employed

2YR Full Doc

N/A

0.00%

100.00%

Stocks/Bonds

Borrower Prepared

Borrower

N/A

Yes

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified

xxxxx

xx/xx/xxxx

757

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

174.5

xxxxx

264.8

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000125801

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.625%

$1,024.50

$11,832.12

$986.01

$2,135.04

$177.92

$0.00

$2,188.43

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.691

3.02

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

685

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

68.0

18.18

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000125815

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$4,552.52

$15,997.92

$1,333.16

$1,623.96

$135.33

$16,800.00

$1,400.00

$0.00

$7,421.01

$44,329.78

Yes

xxxxx

Monthly

20.18%

20.20%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2026, 2025

Borrower - 2026, 2025

xxxxx

xx/xx/xxxx

782

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

144.3

xxxxx

144.3

70.0

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

3%, 3%, 3%, 3%, 3%

xxxxx

Urban

xxxxx

4000125821

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$1,212.69

$9,669.36

$805.78

$1,724.04

$143.67

$0.00

$2,162.14

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.925

1.02

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

775

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

65.0

26.95

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000125824

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2973.10

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

6.375%

$2,557.87

$6,761.52

$563.46

$995.04

$82.92

$0.00

$3,204.25

$5,070.75

N/A

xxxxx

39.15%

38.91%

Employed

Written Verification of Employment

N/A

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage - Written VOE Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

794

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

91.7

xxxxx

91.7

53.95

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000125847

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.375%

$2,088.40

$2,065.56

$172.13

$2,240.04

$186.67

$0.00

$2,447.20

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.814

1.81

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

806

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

52.2

xxxxx

78.8

65.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

1%, 1%, 1%

xxxxx

Suburban

xxxxx

4000125851

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$3,033.93

$6,234.00

$519.50

$1,679.04

$139.92

$1,280.04

$106.67

$0.00

$3,800.02

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.789

0.76

N/A

xxxxx

xx/xx/xxxx

767

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

106.0

xxxxx

106.0

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000125901

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Interest Only

2090.00

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

7.125%

$12,070.94

$15,410.28

$1,284.19

$2,934.48

$244.54

$0.00

$13,599.67

$15,051.62

N/A

xxxxx

53.44%

47.80%

53.43%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

772

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

23.4

xxxxx

23.4

67.77

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

10.27

xxxxx

Suburban

xxxxx

4000125904

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$6,286.81

$24,404.64

$2,033.72

$13,354.44

$1,112.87

$0.00

$9,433.40

N/A

xxxxx

2107.78%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.101

1.11

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

755

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

173.7

xxxxx

173.7

60.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Suburban

xxxxx

4000125973

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

3990.00

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

8.125%

6.125%

$1,336.50

$2,820.36

$235.03

$1,371.96

$114.33

$0.00

$1,685.86

$13,237.38

N/A

xxxxx

15.83%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

60.00%

N/A

Yes

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

809

Unknown

xxxxx

Other

Perm Resident Card

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

287.9

xxxxx

287.9

34.29

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

ARM

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

5.91

xxxxx

Suburban

xxxxx

4000125975

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$3,262.50

$10,941.48

$911.79

$1,230.00

$102.50

$0.00

$4,276.79

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.005

1.0

xxxxx

xx/xx/xxxx

787

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

20.9

xxxxx

20.9

53.95

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000125988

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.250%

$3,325.61

$7,199.16

$599.93

$1,022.04

$85.17

$1,740.00

$145.00

$0.00

$4,155.71

$68,220.76

N/A

xxxxx

Monthly

8.80%

9.04%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

725

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

28.5

xxxxx

28.5

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000125993

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

$6,018.08

$4,873.44

$406.12

$4,484.52

$373.71

$0.00

$6,797.91

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.883

0.921

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

663

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

195.0

xxxxx

195.0

56.27

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Urban

xxxxx

4000126005

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,497.19

$11,734.44

$977.87

$3,267.00

$272.25

$0.00

$3,747.31

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.735

1.717

xxxxx

xx/xx/xxxx

686

Unknown

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

xxxxx

Passport

xxxxx

xx/xx/xxxx

United States

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

75.7

29.47

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Urban

xxxxx

4000126013

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

3631.28

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

6.000%

$3,039.72

$10,945.20

$912.10

$2,636.40

$219.70

$0.00

$4,171.52

$12,115.90

N/A

xxxxx

36.12%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

0.00%

100.00%

N/A

Yes

N/A

Borrower - Family Owned Business - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower

xxxxx

xx/xx/xxxx

738

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

8.9

xxxxx

8.9

49.46

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

37.07

xxxxx

Suburban

xxxxx

4000126016

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,381.51

$7,857.60

$654.80

$2,430.00

$202.50

$432.96

$36.08

$0.00

$2,274.89

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.033

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

730

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

20.8

xxxxx

20.8

74.74

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000126022

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$3,855.59

7.750%

$3,116.39

$6,660.24

$555.02

$3,382.92

$281.91

$811.44

$67.62

$0.00

$4,020.94

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.771

0.77

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

793

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

326.4

xxxxx

326.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

ARM

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000126052

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$5,381.78

7.500%

$1,337.25

$2,571.60

$214.30

$663.00

$55.25

$1,848.00

$154.00

$0.00

$1,760.80

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.107

1.1

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

800

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

18.0

xxxxx

18.0

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126056

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$3,784.90

$7,150.56

$595.88

$1,634.04

$136.17

$0.00

$4,516.95

$27,967.89

N/A

xxxxx

28.79%

28.90%

Yes

Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

N/A

Yes

318

Other

Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024

Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024

xxxxx

xx/xx/xxxx

716

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

58.0

xxxxx

58.0

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

3%, 2%, 1%

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000126079

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.125%

$2,242.08

Yes

16.000%

$11,812.32

$984.36

$2,781.60

$231.80

$0.00

$3,458.24

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.041

1.04

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

774

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

32.6

xxxxx

32.6

60.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

3%, 3%, 3%, 3%, 3%

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000126096

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,728.84

$1,822.56

$151.88

$1,512.00

$126.00

$0.00

$2,006.72

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.146

1.16

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

788

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

242.4

xxxxx

242.4

67.5

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126119

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

1395.00

xx/xx/xxxx

5.850%

Manual Underwriting

xxxxx

6.750%

$2,392.80

$2,751.96

$229.33

$1,313.04

$109.42

$0.00

$2,731.55

$16,610.10

N/A

xxxxx

19.05%

17.25%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

804

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

14.6

xxxxx

14.6

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000126145

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

34281.18

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

6.250%

$8,861.40

$29,339.04

$2,444.92

$4,781.16

$398.43

$3,600.00

$300.00

$0.00

$12,004.75

$34,506.95

N/A

xxxxx

Annually

38.33%

38.46%

Yes

1 - Not Stated Not Verified

4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns

3 - Stated, 3rd Party Verification

Employed

Self-Employed

20.96

1YR Full Doc

1 Month

N/A

Yes

0.00%

100.00%

Stocks/Bonds,Stocks/Bonds

N/A

Third-Party Prepared (Unaudited)

CPA

Yes

FNMA 1005

N/A

Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2026, 2025 || Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025 || Co Borrower 2 - SESoleProprietor - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025

Borrower - 2 YRS Executed 4506T Verified - 2026, 2025 || Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025 || Co Borrower 2 - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025

xxxxx

xx/xx/xxxx

766

803

832

812

Unknown

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

xxxxx

Other

USA Patriot Act

xxxxx

xx/xx/xxxx

N/A

US Citizen

xxxxx

Other

USA Patriot Act

N/A

United States

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

63.3

xxxxx

63.3

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

8.83

5.25

20.92

xxxxx

Suburban

xxxxx

4000126160

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$8,289.08

Yes

13.500%

$35,101.44

$2,925.12

$1,850.00

$0.00

$11,214.20

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.025

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

723

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

9.1

xxxxx

9.1

60.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Suburban

xxxxx

4000126162

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$15.80

6.750%

$4,799.63

$7,808.64

$650.72

$2,448.00

$204.00

$669.96

$55.83

$0.00

$5,710.18

$22,977.04

N/A

xxxxx

Annually

31.85%

31.07%

Yes

Not Employed

Employed

2YR Full Doc

2+ Months

N/A

0.00%

Stocks/Bonds

N/A

Borrower - 2 YRS Executed 4506T Verified || Co Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

791

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

65.0

xxxxx

65.0

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

Yes

9.25

xxxxx

Suburban

xxxxx

4000126178

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$2,657.29

$2,999.64

$249.97

$2,323.92

$193.66

$0.00

$3,100.92

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.838

0.83

xxxxx

xx/xx/xxxx

716

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

xxxxx

Passport

xxxxx

xx/xx/xxxx

United States

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

553.2

xxxxx

553.2

59.03

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <2% of Loan Amount or $2000

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126180

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1990.00

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.875%

$9,985.32

$49,737.48

$4,144.79

$12,657.00

$1,054.75

$0.00

$15,184.86

$75,719.10

N/A

xxxxx

24.73%

25.06%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

240

N/A

Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

765

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

26.2

xxxxx

26.2

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126181

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$3,990.73

$9,426.84

$785.57

$1,116.96

$93.08

$0.00

$4,869.38

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.77

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

783

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

20.2

65.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126219

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$38.70

6.875%

$4,812.50

$2,820.96

$235.08

$4,760.04

$396.67

$300.00

$25.00

$0.00

$5,469.25

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.006

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

757

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

26.9

xxxxx

26.9

68.85

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126228

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$3,747.78

$5,916.84

$493.07

$931.20

$77.60

$0.00

$4,318.45

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds,Stocks/Bonds

Yes

0.776

0.77

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

773

Unknown

xxxxx

Other

I-151

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

111.0

xxxxx

111.0

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126231

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.125%

$4,007.81

$9,797.52

$816.46

$3,516.00

$293.00

$0.00

$5,117.27

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.744

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

748

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

12.7

xxxxx

12.7

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000126234

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,517.72

$2,220.24

$185.02

$566.04

$47.17

$1,152.00

$96.00

$0.00

$1,845.91

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.002

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

791

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

28.6

xxxxx

28.6

62.4

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126247

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$2,637.76

Yes

11.625%

$5,347.44

$445.62

$1,325.04

$110.42

$0.00

$3,193.80

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.127

1.04

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

744

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

5.8

xxxxx

47.6

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

3%, 2%, 1%

xxxxx

Suburban

xxxxx

4000126265

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

6257.50

xx/xx/xxxx

6.370%

Manual Underwriting

xxxxx

6.750%

$2,315.50

$6,322.08

$526.84

$3,207.00

$267.25

$19,332.00

$1,611.00

$0.00

$4,720.59

$5,861.41

Yes

xxxxx

Monthly

47.42%

Not Employed

2YR Full Doc

N/A

Yes

N/A

0.00%

N/A

Borrower - SSI and Disability, Other - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024, 2025, 2026

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

674

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

148.1

xxxxx

148.1

51.0

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000126275

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.750%

$1,229.74

$3,127.80

$260.65

$750.00

$62.50

$0.00

$1,552.89

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.03

1.09

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

773

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

Yes

N/A

xxxxx

28.9

xxxxx

28.9

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

2 Months Interest

xxxxx

Suburban

xxxxx

4000126280

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$1,952.78

$7,153.68

$596.14

$3,972.24

$331.02

$0.00

$2,879.94

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.91

0.92

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

777

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

72.2

xxxxx

72.2

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126284

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

4544.80

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.375%

$1,746.84

$5,441.52

$453.46

$703.20

$58.60

$0.00

$2,258.90

$3,577.39

N/A

xxxxx

43.60%

Employed

Written Verification of Employment

N/A

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage, Wage - Written VOE Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

736

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

26.9

xxxxx

26.9

67.31

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

4.61

xxxxx

Suburban

xxxxx

4000126294

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$1,749.07

$1,759.80

$146.65

$2,556.96

$213.08

$0.00

$2,108.80

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.043

1.15

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

747

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

0.0

xxxxx

23.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

3%, 2%, 1%

xxxxx

Suburban

xxxxx

4000126311

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

1299.00

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

6.375%

$2,570.34

$4,600.32

$383.36

$2,973.00

$247.75

$366.96

$30.58

$0.00

$3,232.03

$8,949.06

N/A

xxxxx

Annually

46.54%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2026, 2025

Borrower - 2026, 2025

xxxxx

xx/xx/xxxx

751

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

46.1

xxxxx

46.1

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

6.14

xxxxx

Suburban

xxxxx

4000126321

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

2010.00

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.500%

$1,068.19

$1,964.40

$163.70

$825.96

$68.83

$0.00

$1,300.72

$1,734.78

N/A

xxxxx

42.60%

43.19%

Self-Employed

2YR Full Doc

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

757

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

30.0

xxxxx

30.0

65.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

6.83

xxxxx

Suburban

xxxxx

4000126347

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

10145.00

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

7.375%

$6,077.94

$12,124.80

$1,010.40

$3,984.84

$332.07

$0.00

$7,420.41

$20,452.20

N/A

xxxxx

47.65%

47.66%

Yes

Self-Employed

2YR Full Doc

N/A

Yes

0.00%

50.00%

Borrower Prepared

Borrower

Yes

N/A

Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025, 2026

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025, 2026

xxxxx

xx/xx/xxxx

732

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

111.5

xxxxx

111.5

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

14.34

xxxxx

Suburban

xxxxx

4000126400

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

7068.92

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.625%

$2,023.38

$4,737.36

$394.78

$738.96

$61.58

$0.00

$2,479.74

$5,536.18

N/A

xxxxx

36.55%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

770

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

37.6

xxxxx

37.6

80.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

3.65

xxxxx

Suburban

xxxxx

4000126416

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$4,316.15

$12,516.60

$1,043.05

$4,443.00

$370.25

$0.00

$5,729.45

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.422

1.4

N/A

xxxxx

xx/xx/xxxx

777

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

133.9

xxxxx

133.9

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126432

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

6683.75

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.625%

$5,151.30

$9,384.00

$782.00

$1,475.04

$122.92

$0.00

$6,056.22

$8,491.78

N/A

xxxxx

44.28%

Employed

Written Verification of Employment

N/A

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified, Lease Agreements Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

731

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

19.5

69.96

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

9.66

xxxxx

Suburban

xxxxx

4000126436

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

7259.15

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.250%

$3,012.70

$5,331.84

$444.32

$2,331.00

$194.25

$0.00

$3,651.27

$8,814.73

N/A

xxxxx

32.19%

Employed

Written Verification of Employment

N/A

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage - Written VOE Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

791

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

8.4

xxxxx

8.4

70.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

2.27

xxxxx

Suburban

xxxxx

4000126444

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

6565.00

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.375%

$2,729.43

$5,026.20

$418.85

$2,307.00

$192.25

$3,372.00

$281.00

$0.00

$3,621.53

$8,963.47

N/A

xxxxx

Monthly

33.61%

33.60%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage, Overtime - Written VOE Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

773

Unknown

xxxxx

Other

Perm Resident Card

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

17.4

xxxxx

17.4

70.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000126466

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2450.00

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.375%

$2,994.58

$5,547.36

$462.28

$1,188.96

$99.08

$0.00

$3,555.94

$7,113.76

N/A

xxxxx

38.76%

38.50%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Yes

FNMA 1005

Borrower - Wage, Wage - Written VOE Verified - 2025, 2024, 2026 || Co Borrower - Overtime - Written VOE Verified - 2025, 2024, 2026

Borrower - 2025, 2024, 2026 || Co Borrower - 2025, 2024, 2026

xxxxx

xx/xx/xxxx

765

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

35.9

xxxxx

35.9

75.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

16.38

2.5

xxxxx

Suburban

xxxxx

4000126544

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$7,845.42

Yes

16.000%

$11,068.44

$922.37

$1,883.04

$156.92

$0.00

$8,924.71

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.171

1.15

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

692

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

Unknown

N/A

xxxxx

3.6

xxxxx

3.6

60.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

3%, 3%, 3%, 3%, 3%

xxxxx

Urban

xxxxx

4000126626

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

1756.00

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.250%

$2,308.94

$4,779.00

$398.25

$965.16

$80.43

$0.00

$2,787.62

$9,634.12

N/A

xxxxx

47.17%

47.18%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

84.0

Yes

0.00%

Stocks/Bonds

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025

Borrower - 2 YRS Executed 4506T Verified - 2025

xxxxx

xx/xx/xxxx

811

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

8.6

xxxxx

8.6

50.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000126635

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

12413.24

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

7.500%

$16,669.27

$9,144.60

$762.05

$3,378.96

$281.58

$2,088.00

$174.00

$0.00

$17,886.90

$34,706.12

N/A

xxxxx

Annually

37.49%

37.85%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

75.00%

25.00%

Proceeds from Sale

N/A

Yes

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2026, 2025 || Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 2026, 2025 || Co Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

741

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

N/A

Fee Simple

N/A

xxxxx

77.8

xxxxx

77.8

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000126638

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$2,432.24

$5,292.36

$441.03

$1,299.00

$108.25

$1,332.00

$111.00

$0.00

$3,092.52

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.002

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

811

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

100.0

xxxxx

100.0

54.74

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Suburban

xxxxx

4000126645

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

4876.96

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.500%

$2,376.58

$916.56

$76.38

$1,118.04

$93.17

$1,812.00

$151.00

$0.00

$2,697.13

$4,162.38

N/A

xxxxx

Monthly

47.04%

45.97%

Yes

Employed

Not Employed

2YR Full Doc

2+ Months

N/A

Yes

0.00%

N/A

Yes

360

Work Number

N/A

Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Other - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024

xxxxx

xx/xx/xxxx

803

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

196.0

xxxxx

196.0

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000126669

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$3,326.51

$25,167.84

$2,097.32

$7,695.36

$641.28

$0.00

$6,065.11

N/A

xxxxx

0.00%

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.758

0.76

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

789

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

97.9

xxxxx

66.7

30.3

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126726

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$2,940.31

$12,639.12

$1,053.26

$2,619.96

$218.33

$0.00

$4,211.90

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.783

0.86

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

798

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

7.4

xxxxx

7.4

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%, 5%

xxxxx

Urban

xxxxx

4000126776

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

29772.52

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.990%

$4,705.59

$12,791.16

$1,065.93

$1,943.04

$161.92

$0.00

$5,933.44

$9,589.12

N/A

xxxxx

38.66%

Self-Employed

Not Employed

1YR Business P&L

N/A

Yes

N/A

0.00%

100.00%

Audited

CPA

N/A

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - 2025, 2026 || Co Borrower

Borrower - 2025, 2026 || Co Borrower

xxxxx

xx/xx/xxxx

803

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

xxxxx

Passport

xxxxx

xx/xx/xxxx

United States

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

7.3

xxxxx

7.3

78.23

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

5.13

xxxxx

Suburban

xxxxx

4000126781

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$1,705.44

$10,434.00

$869.50

$3,785.64

$315.47

$0.00

$2,890.41

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.923

2.54

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

704

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

0.0

xxxxx

34.9

32.26

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

3%, 2%, 1%

xxxxx

Urban

xxxxx

4000126806

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1975.00

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.625%

$6,761.68

$25,973.04

$2,164.42

$2,576.64

$214.72

$0.00

$9,140.82

$19,313.73

N/A

xxxxx

42.95%

Employed

Not Employed

2YR Full Doc

1 Month

N/A

Yes

N/A

0.00%

Stocks/Bonds

N/A

Yes

Work Number

N/A

Borrower - Wage, Bonus, Other, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified

Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified

xxxxx

xx/xx/xxxx

774

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

1.8

xxxxx

139.5

60.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000126816

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

$1,437.05

$2,426.28

$202.19

$1,026.96

$85.58

$2,330.04

$194.17

$0.00

$1,918.99

N/A

xxxxx

Annually

10941.98%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.042

1.09

xxxxx

xx/xx/xxxx

738

Unknown

xxxxx

Other

USA PATRIOT ACT DISCLOSURE

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

8.6

xxxxx

8.6

79.26

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000126894

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$1,903.64

$1,704.24

$142.02

$1,014.00

$84.50

$138.00

$11.50

$0.00

$2,141.66

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.004

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

803

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

5.1

xxxxx

5.1

74.5

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000126947

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

6.625%

$1,642.32

Yes

13.750%

$9,472.92

$789.41

$2,195.04

$182.92

$0.00

$2,614.65

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.027

2.03

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

669

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

13.0

xxxxx

13.0

27.17

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Yes

xxxxx

Urban

xxxxx

4000126970

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,452.86

$10,160.04

$846.67

$3,563.52

$296.96

$0.00

$2,596.49

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.001

1.0

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

750

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

70.5

xxxxx

70.5

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%, 5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000126972

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,561.85

Yes

25.000%

$3,693.48

$307.79

$1,484.04

$123.67

$0.00

$1,993.31

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.104

1.24

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

741

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

Unknown

N/A

xxxxx

16.3

xxxxx

16.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

true

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%, 5%

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000126985

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$1,026.48

$7,119.96

$593.33

$1,808.04

$150.67

$500.04

$41.67

$0.00

$1,812.15

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.104

1.05

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

733

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

20.6

xxxxx

20.6

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000127020

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

5722.50

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.500%

$3,721.30

$13,048.68

$1,087.39

$2,316.96

$193.08

$774.96

$64.58

$0.00

$5,066.35

$13,499.31

N/A

xxxxx

Annually

46.82%

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

80.00%

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

805

Unknown

xxxxx

Other

Patriot Act Form

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

32.6

xxxxx

32.6

75.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000127038

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

48795.00

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

7.500%

$13,187.19

$5,670.36

$472.53

$4,404.84

$367.07

$0.00

$14,026.79

$17,614.96

N/A

xxxxx

44.45%

44.83%

Self-Employed

1YR Full Doc

N/A

0.00%

100.00%

Stocks/Bonds

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Yes

Borrower - SESCorp, Primary Residence Rent Income - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025

Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025

xxxxx

xx/xx/xxxx

745

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

12.8

xxxxx

12.8

80.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000127053

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$5,957.07

$18,951.96

$1,579.33

$3,594.96

$299.58

$11,688.00

$974.00

$0.00

$8,809.98

$89,459.12

Yes

xxxxx

Monthly

26.32%

Yes

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

84.0

Yes

N/A

0.00%

Stocks/Bonds

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Note Receivable Verified, Personal Bank Statements Verified - 2026

Borrower - 2026

xxxxx

xx/xx/xxxx

765

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

1319.3

75.0

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

6 Months Interest

xxxxx

Urban

xxxxx

4000127118

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.250%

$8,165.65

$14,132.16

$1,177.68

$5,005.32

$417.11

$0.00

$9,760.44

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.871

0.88

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

706

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.8

xxxxx

6.8

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000127203

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$1,847.61

$3,413.16

$284.43

$1,376.76

$114.73

$149.04

$12.42

$0.00

$2,259.19

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.416

1.41

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

721

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

5.5

xxxxx

5.5

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

3%, 2%, 1%

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000127206

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

16170.00

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.875%

$5,938.64

$12,525.60

$1,043.80

$762.00

$63.50

$2,700.00

$225.00

$0.00

$7,270.94

$21,088.36

Yes

xxxxx

Monthly

42.97%

33.15%

Not Employed

Self-Employed

1YR Full Doc

N/A

0.00%

100.00%

Stocks/Bonds

N/A

Audited

CPA

Yes

N/A

Borrower || Co Borrower - SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SESCorp, SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, 1120S, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024

Borrower || Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, 1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024

xxxxx

xx/xx/xxxx

774

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

37.0

xxxxx

37.0

80.0

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

12.1

xxxxx

Urban

xxxxx

4000127217

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

1990.00

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

7.625%

$3,420.06

$11,731.80

$977.65

$2,121.96

$176.83

$0.00

$4,574.54

$10,101.63

N/A

xxxxx

35.31%

34.69%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 1 YR Executed 4506T Verified - 2025, 2026

Borrower - 1 YR Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

731

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

8.6

xxxxx

8.6

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

8.33

xxxxx

Suburban

xxxxx

4000127220

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$1,713.63

$1,497.96

$124.83

$1,649.04

$137.42

$2,316.00

$193.00

$0.00

$2,168.88

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.072

1.07

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

714

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

136.7

xxxxx

136.7

69.99

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000127246

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.625%

$5,234.54

Yes

16.000%

$6,699.00

$558.25

$3,012.60

$251.05

$0.00

$6,043.84

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.158

1.15

xxxxx

xx/xx/xxxx

745

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

5.5

xxxxx

5.5

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

Other

xxxxx

Urban

xxxxx

4000127262

xxxxx

xx/xx/xxxx

QM: Higher Priced APOR (APOR HP)

Yes

N/A

2190.00

xx/xx/xxxx

6.210%

Manual Underwriting

xxxxx

10.125%

8.125%

$2,944.25

$3,444.84

$287.07

$2,211.48

$184.29

$0.00

$3,415.61

$4,836.39

N/A

xxxxx

44.05%

49.09%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage - Written VOE Verified - 2025, 2026, 2024

Borrower - 2025, 2026, 2024

xxxxx

xx/xx/xxxx

690

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

7.8

xxxxx

7.8

80.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

ARM

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000127283

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$972.90

$15,212.16

$1,267.68

$1,641.00

$136.75

$0.00

$2,377.33

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.598

1.88

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

808

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

4.4

xxxxx

4.4

25.42

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000127298

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.500%

$3,871.42

$6,951.84

$579.32

$3,428.04

$285.67

$0.00

$4,736.41

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.267

xxxxx

xx/xx/xxxx

738

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

13.4

xxxxx

13.4

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

3%, 3%, 3%, 3%, 3%

xxxxx

Urban

xxxxx

4000127302

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

11974.00

xx/xx/xxxx

6.120%

Manual Underwriting

xxxxx

7.250%

$4,540.57

$7,901.64

$658.47

$1,200.00

$100.00

$0.00

$5,299.04

$7,894.87

N/A

xxxxx

41.52%

40.61%

Self-Employed

1YR Business P&L

N/A

Yes

Missing

0.00%

100.00%

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Personal Bank Statements Verified - 2026, 2025

Borrower - 2026, 2025

xxxxx

xx/xx/xxxx

803

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.1

xxxxx

6.1

80.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000127305

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

8556.60

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.500%

$5,119.75

$9,732.24

$811.02

$1,220.04

$101.67

$0.00

$6,032.44

$10,923.56

N/A

xxxxx

35.74%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

757

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

11.1

xxxxx

11.1

73.42

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000127367

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.000%

$882.99

$1,951.92

$162.66

$282.96

$23.58

$1,560.00

$130.00

$0.00

$1,199.23

Yes

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.001

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

767

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

111.5

37.28

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Suburban

xxxxx

4000127402

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

16406.00

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

7.500%

$10,079.88

$18,581.52

$1,548.46

$7,296.00

$608.00

$0.00

$12,236.34

$36,221.24

N/A

xxxxx

42.08%

42.18%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

25.00%

N/A

Yes

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 1 YR Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

771

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

12.1

xxxxx

12.1

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

5.51

xxxxx

Suburban

xxxxx

4000127404

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

7070.00

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.250%

$3,004.70

$8,104.20

$675.35

$3,303.00

$275.25

$0.00

$3,955.30

$5,809.70

N/A

xxxxx

40.72%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage - Written VOE Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

786

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

9.3

xxxxx

9.3

50.05

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

5.86

xxxxx

Suburban

xxxxx

4000127415

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$4,183.46

Yes

11.750%

$8,216.76

$684.73

$2,334.00

$194.50

$0.00

$5,062.69

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.394

2.63

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

768

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

Unknown

N/A

xxxxx

0.0

xxxxx

91.6

49.62

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000127445

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.750%

$6,323.83

$10,151.76

$845.98

$3,220.20

$268.35

$0.00

$7,438.16

N/A

xxxxx

217.21%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.257

1.26

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

781

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

26.4

xxxxx

26.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Urban

xxxxx

4000127447

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$1,422.31

$8,832.72

$736.06

$2,045.28

$170.44

$149.04

$12.42

$0.00

$2,341.23

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.004

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

807

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

Fee Simple

Yes

N/A

xxxxx

6.6

xxxxx

8.5

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

ARM

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000127450

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$7,549.68

$3,087.72

$257.31

$10,277.52

$856.46

$0.00

$8,663.45

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.154

1.15

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

796

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

36.3

xxxxx

36.3

52.91

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

6 Months Interest

xxxxx

Urban

xxxxx

4000127500

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$2,762.81

$6,937.92

$578.16

$2,349.96

$195.83

$0.00

$3,536.80

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.848

0.85

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

783

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

17.8

xxxxx

17.8

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

3%, 3%, 3%

xxxxx

Suburban

xxxxx

4000127518

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

4174.91

xx/xx/xxxx

6.320%

Manual Underwriting

xxxxx

6.375%

$4,744.53

$9,682.20

$806.85

$1,674.96

$139.58

$0.00

$5,690.96

$10,217.67

N/A

xxxxx

35.88%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

802

Unknown

xxxxx

Other

USA PATRIOT ACT INFORMATION FORM

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

8.0

xxxxx

8.0

65.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000127532

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$2,917.69

$12,495.12

$1,041.26

$1,411.08

$117.59

$24,084.00

$2,007.00

$0.00

$6,083.54

Yes

xxxxx

Monthly

1114.70%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.921

0.92

xxxxx

xx/xx/xxxx

755

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

46.6

xxxxx

109.9

47.5

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000127533

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

29835.92

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.875%

$6,805.78

$21,508.44

$1,792.37

$885.96

$73.83

$4,500.00

$375.00

$0.00

$9,046.98

$44,938.70

Yes

xxxxx

Monthly

49.22%

49.98%

Yes

Employed

2YR Full Doc

2+ Months

N/A

0.00%

N/A

Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

767

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

107.5

xxxxx

107.5

69.95

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000127538

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$2,522.61

$6,362.52

$530.21

$1,617.96

$134.83

$0.00

$3,187.65

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.431

1.429

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

758

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

118.6

59.08

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000127608

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

391.84

xx/xx/xxxx

6.220%

Manual Underwriting

xxxxx

6.375%

$3,094.39

$13,286.64

$1,107.22

$3,668.04

$305.67

$0.00

$4,507.28

$15,378.23

N/A

xxxxx

37.44%

Yes

Employed

2YR Full Doc

2+ Months

1 Month

N/A

0.00%

N/A

Yes

117

Work Number

Yes

Work Number

Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025, 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025, 2026

xxxxx

xx/xx/xxxx

788

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

65.1

xxxxx

65.1

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000127611

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2190.00

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.875%

$10,313.78

$22,943.04

$1,911.92

$2,055.48

$171.29

$0.00

$12,396.99

$12,234.29

N/A

xxxxx

54.33%

Employed

2YR Full Doc

1 Month

N/A

0.00%

Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds

N/A

Borrower - Wage, Bonus, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

780

Unknown

xxxxx

Other

USA PATRIOT ACT INFORMATION FORM

xxxxx

xx/xx/xxxx

Missing

xxxxx

Other

USA PATRIOT ACT INFORMATION FORM

xxxxx

xx/xx/xxxx

Missing

Fee Simple

N/A

xxxxx

17.2

xxxxx

17.2

79.29

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

4.4

0.9

xxxxx

Suburban

xxxxx

4000127641

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

3774.66

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.250%

$1,422.31

$2,886.12

$240.51

$2,964.00

$247.00

$0.00

$1,909.82

$4,290.18

N/A

xxxxx

31.36%

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

797

Unknown

xxxxx

Not Required

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

14.7

xxxxx

14.7

70.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

3.18

xxxxx

Suburban

xxxxx

4000127739

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

5950.00

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.875%

$4,204.34

$7,719.36

$643.28

$1,463.04

$121.92

$0.00

$4,969.54

$71,500.61

N/A

xxxxx

9.14%

Yes

Not Employed

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Yes

N/A

Borrower - Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified - 2026 || Co Borrower - SESoleProprietor - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 1 YR Executed 4506T Verified - 2026 || Co Borrower - 1 YR Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

789

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

16.5

xxxxx

16.5

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

3.62

xxxxx

Suburban

xxxxx

4000127745

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

4200.00

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.875%

$3,153.26

$8,666.04

$722.17

$983.04

$81.92

$0.00

$3,957.35

$69,611.17

N/A

xxxxx

11.54%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

Stocks/Bonds

N/A

Yes

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025

Borrower - 2 YRS Executed 4506T Verified - 2026, 2025

xxxxx

xx/xx/xxxx

789

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

13.1

xxxxx

13.1

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

3.63

xxxxx

Suburban

xxxxx

4000127832

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$1,559.67

$19,579.80

$1,631.65

$2,502.96

$208.58

$0.00

$3,399.90

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.853

1.52

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

804

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

57.3

xxxxx

57.3

18.12

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000127842

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.875%

$4,314.16

$11,848.44

$987.37

$3,333.84

$277.82

$0.00

$5,579.35

N/A

xxxxx

1488303.00%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.376

0.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

787

Unknown

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

83.5

xxxxx

83.5

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000127958

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$1,187.85

$15,068.04

$1,255.67

$1,578.00

$131.50

$1,550.04

$129.17

$0.00

$2,704.19

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.183

1.185

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

794

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

68.8

xxxxx

68.8

40.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000127986

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$3,065.42

$9,370.08

$780.84

$1,565.04

$130.42

$0.00

$3,976.68

N/A

xxxxx

1248268.00%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.754

0.75

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

787

Unknown

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

132.1

xxxxx

132.1

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000128022

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

16609.68

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.250%

$4,479.34

$11,664.96

$972.08

$4,529.64

$377.47

$0.00

$5,828.89

$9,350.31

N/A

xxxxx

49.76%

49.93%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

0.00%

100.00%

Proceeds from Sale

N/A

Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

791

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

29.2

xxxxx

29.2

75.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000128115

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

7125.50

xx/xx/xxxx

6.300%

Manual Underwriting

xxxxx

6.500%

$2,117.43

$5,834.40

$486.20

$2,552.04

$212.67

$1,440.60

$120.05

$0.00

$2,936.35

$4,483.78

N/A

xxxxx

Monthly

40.46%

Retired

Asset Depletion – Debt Ratio Calculation

N/A

Yes

84.0

Yes

0.00%

Stocks/Bonds

N/A

Borrower - Asset Depletion - Personal Bank Statements Verified - 2026

Borrower - 2026

xxxxx

xx/xx/xxxx

803

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

403.5

xxxxx

403.5

50.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000128121

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

$1,128.35

Yes

25.000%

$2,970.96

$247.58

$3,435.00

$286.25

$0.00

$1,662.18

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.333

1.46

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

779

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

80.6

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 5%, 5%

xxxxx

Urban

xxxxx

4000128131

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.500%

$862.77

Yes

11.500%

$379.92

$31.66

$1,974.96

$164.58

$0.00

$1,059.01

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.209

1.2

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

735

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

20.5

xxxxx

20.5

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <2% of Loan Amount or $2000

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Suburban

xxxxx

4000128140

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10025.00

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.375%

$4,679.02

$7,771.92

$647.66

$824.04

$68.67

$0.00

$5,395.35

$8,472.65

N/A

xxxxx

45.30%

43.52%

Employed

Written Verification of Employment

N/A

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage - Written VOE Verified - 2026, 2025, 2024

Borrower - 2026, 2025, 2024

xxxxx

xx/xx/xxxx

747

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

6.8

xxxxx

6.8

78.13

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000128148

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,479.12

$7,051.20

$587.60

$2,673.96

$222.83

$0.00

$2,289.55

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.005

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

738

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

43.6

xxxxx

43.6

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000128151

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,281.01

$2,837.88

$236.49

$1,317.96

$109.83

$0.00

$1,627.33

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.352

1.35

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

720

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

119.4

xxxxx

119.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000128195

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

$1,420.03

$1,539.84

$128.32

$1,581.72

$131.81

$0.00

$1,680.16

N/A

xxxxx

73541.25%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.384

1.51

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

695

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

22.1

xxxxx

24.5

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000128198

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

$1,364.34

$1,553.76

$129.48

$1,368.96

$114.08

$0.00

$1,607.90

N/A

xxxxx

3006.99%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.151

1.15

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

695

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

24.6

xxxxx

24.6

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000128218

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.125%

$4,739.36

$14,005.80

$1,167.15

$2,315.04

$192.92

$0.00

$6,099.43

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.115

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

790

Unknown

xxxxx

Enhanced Driver's License (MI, MN, NY, VT, WA)

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.6

xxxxx

6.6

44.32

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

3%, 2%, 1%

xxxxx

Yes

xxxxx

Urban

xxxxx

4000128295

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

4617.46

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

6.625%

$2,889.08

$6,229.08

$519.09

$683.04

$56.92

$0.00

$3,465.09

$5,059.91

N/A

xxxxx

47.29%

Employed

Written Verification of Employment

N/A

0.00%

N/A

Yes

123

FNMA 1005

N/A

Borrower - Wage, Wage, Wage - Written VOE Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

755

Unknown

xxxxx

Other

Perm Resident Card

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

16.1

xxxxx

16.1

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000128330

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$1,763.43

$14,361.60

$1,196.80

$1,233.00

$102.75

$1,620.00

$135.00

$0.00

$3,197.98

N/A

xxxxx

Monthly

322574.26%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.001

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

675

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

76.8

30.41

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000128346

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$7,226.22

$5,504.76

$458.73

$3,189.60

$265.80

$0.00

$7,950.75

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.818

0.79

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

766

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

23.2

xxxxx

23.2

61.97

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000128357

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

APOR Threshold

5758.10

xx/xx/xxxx

6.260%

Manual Underwriting

xxxxx

8.625%

$3,079.35

$3,959.16

$329.93

$1,004.04

$83.67

$0.00

$3,492.95

$4,601.75

N/A

xxxxx

43.23%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

0.00%

100.00%

N/A

Borrower - SESoleProprietor, SSI and Disability - Business Bank Statements Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

809

Unknown

xxxxx

Other

USA PATRIOT ACT INFORMATION FORM

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

7.1

xxxxx

7.1

90.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000128400

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,945.79

$9,279.96

$773.33

$1,902.72

$158.56

$0.00

$2,877.68

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.251

1.25

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

797

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

34.8

xxxxx

34.8

38.96

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000128523

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$1,693.94

$11,873.04

$989.42

$1,758.96

$146.58

$350.04

$29.17

$0.00

$2,859.11

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.424

1.42

N/A

xxxxx

xx/xx/xxxx

767

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

158.6

xxxxx

158.6

42.54

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

3%, 2%, 1%

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000128533

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$1,450.42

$6,296.28

$524.69

$1,737.00

$144.75

$1,284.00

$107.00

$0.00

$2,226.86

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.044

1.048

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

724

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

5.7

xxxxx

5.7

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%, 5%, 5%, 5%

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000128565

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$4,093.06

$18,370.68

$1,530.89

$2,793.00

$232.75

$435.96

$36.33

$0.00

$5,893.03

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.857

0.85

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

677

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

83.8

xxxxx

83.8

46.15

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000128618

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$4,403.05

$9,697.92

$808.16

$1,662.96

$138.58

$0.00

$5,349.79

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.009

1.01

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

734

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

40.4

xxxxx

40.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000128653

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

29334.38

xx/xx/xxxx

6.320%

Manual Underwriting

xxxxx

6.750%

$10,288.39

$14,516.04

$1,209.67

$5,346.00

$445.50

$0.00

$11,943.56

$76,709.28

N/A

xxxxx

26.05%

25.52%

Yes

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

0.00%

50.00%

N/A

Yes

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2026, 2025 || Co Borrower - CPA Letter Verified - 2026, 2025

Borrower - 2026, 2025 || Co Borrower - 2026, 2025

xxxxx

xx/xx/xxxx

766

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

150.0

xxxxx

150.0

75.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000128696

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$10.00

6.625%

$6,403.11

$31,770.24

$2,647.52

$1,773.00

$147.75

$0.00

$9,198.38

$45,953.92

N/A

xxxxx

32.50%

Yes

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

Yes

108

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

742

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

35.2

xxxxx

35.2

50.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

No Cash Out - Borrower Initiated

xxxxx

6 Months Interest

xxxxx

Urban

xxxxx

4000128895

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.250%

$1,620.26

Yes

16.000%

$13,353.12

$1,112.76

$2,358.00

$196.50

$0.00

$2,929.52

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.98

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

757

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

8.3

xxxxx

8.3

20.24

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <1% of Loan Amount or $2000

xxxxx

3%, 3%, 3%, 3%, 3%

xxxxx

Urban

xxxxx

4000128900

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.375%

$3,556.06

Yes

12.750%

$6,836.76

$569.73

$2,815.32

$234.61

$0.00

$4,360.40

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.949

1.96

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

811

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

9.5

xxxxx

9.5

57.09

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Yes

xxxxx

Urban

xxxxx

4000128929

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

4945.20

xx/xx/xxxx

6.320%

Manual Underwriting

xxxxx

6.750%

$2,978.36

$9,544.56

$795.38

$1,890.00

$157.50

$1,200.00

$100.00

$0.00

$4,031.24

$7,242.52

N/A

xxxxx

Annually

41.61%

Self-Employed

Not Employed

1YR Business P&L

N/A

Yes

N/A

0.00%

100.00%

Third-Party Prepared (Unaudited)

CPA

N/A

Yes

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 || Co Borrower

Borrower - 2025, 2026 || Co Borrower

xxxxx

xx/xx/xxxx

810

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

25.8

xxxxx

25.8

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000128960

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$1,773.71

$8,325.00

$693.75

$537.96

$44.83

$3,120.00

$260.00

$0.00

$2,772.29

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.938

0.93

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

703

Unknown

xxxxx

Other

USA PATRIOT ACT DISCLOSURE

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

0.0

xxxxx

94.6

48.65

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000128972

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,313.86

$7,593.00

$632.75

$3,942.96

$328.58

$0.00

$2,275.19

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.758

1.86

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

766

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

80.3

22.35

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000128987

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$4,030.21

$13,992.00

$1,166.00

$2,472.00

$206.00

$0.00

$5,402.21

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.035

1.03

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

814

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

178.4

xxxxx

178.4

57.03

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000128992

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$4,060.97

$8,366.88

$697.24

$416.04

$34.67

$4,128.00

$344.00

$0.00

$5,136.88

Yes

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.779

0.75

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

767

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.8

xxxxx

6.8

75.0

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000129015

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$2,849.38

$13,730.76

$1,144.23

$2,544.00

$212.00

$0.00

$4,205.61

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.07

1.1

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

718

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

5.6

xxxxx

5.6

68.99

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Suburban

xxxxx

4000129026

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.000%

$2,868.78

$9,016.56

$751.38

$1,842.96

$153.58

$0.00

$3,773.74

$40,754.88

N/A

xxxxx

0.00%

35.49%

Yes

Self-Employed

Employed

2YR Full Doc

2+ Months

N/A

Yes

N/A

0.00%

100.00%

0.00%

Stocks/Bonds,Stocks/Bonds

N/A

Yes

Work Number

Yes

112

Work Number

Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(Extension, 1120S), Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 || Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025, 2026

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(Extension, 1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 || Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025, 2026

xxxxx

xx/xx/xxxx

800

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

261.8

xxxxx

261.8

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

Suburban

xxxxx

4000129045

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$2,023.63

$9,245.76

$770.48

$3,220.20

$268.35

$950.04

$79.17

$0.00

$3,141.63

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.011

1.01

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

735

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

5.3

xxxxx

5.3

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

5%, 5%

xxxxx

Suburban

xxxxx

4000129207

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

5.875%

$3,845.00

Yes

16.000%

$8,900.76

$741.73

$1,374.00

$114.50

$0.00

$4,701.23

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.425

1.41

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

800

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

4.5

xxxxx

4.5

47.27

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

3%, 3%, 3%, 3%, 3%

xxxxx

Urban

xxxxx

4000129215

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

795.00

xx/xx/xxxx

6.320%

Manual Underwriting

xxxxx

6.500%

$5,593.80

$11,225.52

$935.46

$2,612.40

$217.70

$0.00

$6,746.96

$12,960.37

N/A

xxxxx

37.86%

37.79%

Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

N/A

Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

770

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

18.0

xxxxx

18.0

68.87

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000129222

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,331.33

$3,560.04

$296.67

$801.36

$66.78

$300.00

$25.00

$0.00

$1,719.78

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.047

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

779

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

273.3

xxxxx

273.3

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

1%, 1%, 1%

xxxxx

Suburban

xxxxx

4000129277

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.125%

$2,829.62

$13,985.28

$1,165.44

$2,700.00

$225.00

$0.00

$4,220.06

N/A

xxxxx

90.91%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.244

1.23

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

817

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

11.3

xxxxx

11.3

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Urban

xxxxx

4000129283

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.125%

$5,295.33

$2,547.36

$212.28

$2,394.00

$199.50

$0.00

$5,707.11

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.148

1.31

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

737

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

55.3

xxxxx

58.3

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Urban

xxxxx

4000129287

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.125%

$6,220.41

$3,158.64

$263.22

$3,296.04

$274.67

$0.00

$6,758.30

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.279

1.3

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

737

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

91.3

xxxxx

91.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Urban

xxxxx

4000129342

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,790.13

$4,792.68

$399.39

$1,476.12

$123.01

$200.04

$16.67

$0.00

$2,329.20

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.073

1.0

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

780

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

10.7

xxxxx

10.7

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

1%, 1%, 1%

xxxxx

Suburban

xxxxx

4000129367

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2325.00

xx/xx/xxxx

6.320%

Manual Underwriting

xxxxx

7.125%

$6,117.36

$14,939.76

$1,244.98

$1,569.00

$130.75

$1,250.04

$104.17

$0.00

$7,597.26

$65,801.00

N/A

xxxxx

Annually

17.75%

Yes

Self-Employed

1YR Business P&L

N/A

0.00%

50.00%

Third-Party Prepared (Unaudited)

CPA

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

762

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

64.1

xxxxx

64.1

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000129380

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

6725.00

xx/xx/xxxx

6.320%

Manual Underwriting

xxxxx

7.000%

$2,927.33

$13,658.40

$1,138.20

$3,246.00

$270.50

$0.00

$4,336.03

$20,447.78

N/A

xxxxx

32.10%

31.84%

Employed

Written Verification of Employment

N/A

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Written VOE Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

805

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

19.9

xxxxx

19.9

59.46

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000129388

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,805.68

$4,541.88

$378.49

$1,557.12

$129.76

$0.00

$2,313.93

$4,468.03

N/A

xxxxx

Annually

44.90%

44.13%

Yes

Employed

Written Verification of Employment

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified - 2026, 2025, 2024

Borrower - 2026, 2025, 2024

xxxxx

xx/xx/xxxx

750

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

17.1

xxxxx

17.1

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

6 Months Interest

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000129442

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$5,522.98

Yes

16.000%

$11,985.96

$998.83

$1,967.04

$163.92

$0.00

$6,685.73

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.238

1.24

N/A

xxxxx

xx/xx/xxxx

773

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

Unknown

N/A

xxxxx

49.4

xxxxx

49.4

69.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

3%, 3%, 3%, 3%, 3%

xxxxx

Urban

xxxxx

4000129459

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.375%

$1,746.84

$9,096.00

$758.00

$2,597.04

$216.42

$740.04

$61.67

$0.00

$2,782.93

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.861

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

780

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

17.1

xxxxx

17.1

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000129559

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2330.00

xx/xx/xxxx

6.320%

Manual Underwriting

xxxxx

6.375%

$4,192.41

$19,833.12

$1,652.76

$1,296.96

$108.08

$0.00

$5,953.25

$8,238.75

N/A

xxxxx

48.18%

Employed

Written Verification of Employment

N/A

0.00%

N/A

Yes

FNMA 1005

Yes

FNMA 1005

N/A

Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 || Co Borrower - Wage - Written VOE Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026 || Co Borrower - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

772

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

I-551 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

42.2

xxxxx

42.2

70.0

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000129705

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$4,434.15

Yes

25.000%

$936.36

$78.03

$2,493.96

$207.83

$0.00

$4,720.01

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.148

0.91

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

744

Unknown

xxxxx

Employment Authorization Card

xxxxx

xx/xx/xxxx

Employment Authorization Document (I-821D)

xx/xx/xxxx

Fee Simple

Unknown

N/A

xxxxx

27.1

xxxxx

27.1

65.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <1% of Loan Amount or $2000

xxxxx

5%, 5%, 5%

xxxxx

Urban

xxxxx

4000129709

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$1,970.96

$2,107.32

$175.61

$3,476.04

$289.67

$0.00

$2,436.24

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.862

N/A

xxxxx

xx/xx/xxxx

737

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

4.4

xxxxx

4.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000129753

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,234.76

$7,773.24

$647.77

$3,499.20

$291.60

$0.00

$2,174.13

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.449

1.59

xxxxx

xx/xx/xxxx

781

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

85.0

xxxxx

85.0

40.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Rural

xxxxx

4000129757

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$1,192.33

$4,402.32

$366.86

$1,295.76

$107.98

$0.00

$1,667.17

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.38

1.379

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

802

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

Unknown

N/A

xxxxx

13.9

xxxxx

13.9

55.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Urban

xxxxx

4000129760

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,888.67

$6,113.16

$509.43

$2,190.60

$182.55

$0.00

$2,580.65

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.24

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

704

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

155.1

xxxxx

155.1

50.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000129765

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

$1,762.60

$7,017.72

$584.81

$2,636.04

$219.67

$0.00

$2,567.08

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.013

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

751

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

3.2

xxxxx

3.2

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Yes

xxxxx

Suburban

xxxxx

4000129776

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2190.00

xx/xx/xxxx

6.320%

Manual Underwriting

xxxxx

6.625%

$22,410.88

$76,672.92

$6,389.41

$3,806.28

$317.19

$0.00

$29,117.48

$46,542.79

N/A

xxxxx

39.60%

39.23%

Employed

2YR Full Doc

1 Month

N/A

0.00%

Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds

N/A

Borrower - Wage, Other REO Net Rental Income(Loss), Bonus, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

xxxxx

xx/xx/xxxx

784

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

48.0

xxxxx

48.0

53.44

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000129786

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

7070.00

xx/xx/xxxx

6.060%

Manual Underwriting

xxxxx

6.250%

$3,386.44

$11,595.12

$966.26

$3,098.04

$258.17

$1,356.00

$113.00

$0.00

$4,723.87

$13,283.53

N/A

xxxxx

Monthly

51.26%

49.25%

Not Employed

Asset Utilization (with DTI)

N/A

84.0

Missing

N/A

0.00%

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025

xxxxx

xx/xx/xxxx

779

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

xxxxx

Standard Driver's License - Not for federal Use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

472.7

xxxxx

472.7

66.03

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

ARM

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000129852

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$2,721.32

$6,000.24

$500.02

$1,215.96

$101.33

$0.00

$3,322.67

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.114

1.11

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

748

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

77.1

xxxxx

77.1

50.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000129961

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$1,239.64

$2,784.60

$232.05

$576.96

$48.08

$0.00

$1,519.77

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.283

1.75

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

668

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

5.8

46.58

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000130172

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.125%

$3,035.01

$8,788.20

$732.35

$2,215.56

$184.63

$0.00

$3,951.99

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.139

1.16

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

802

Unknown

xxxxx

Passport

xxxxx

xx/xx/xxxx

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.4

xxxxx

6.4

50.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%, 5%, 5%, 5%

xxxxx

Yes

xxxxx

Urban

xxxxx

4000130241

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.27

6.875%

$1,382.18

$6,495.36

$541.28

$1,073.64

$89.47

$800.04

$66.67

$0.00

$2,079.60

$7,372.09

N/A

xxxxx

Annually

37.66%

Yes

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Third-Party Prepared (Unaudited)

Tax Preparer

Yes

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2026, 2025

Borrower - 3 YRS Executed 4506T Verified - 2026, 2025

xxxxx

xx/xx/xxxx

771

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

9.4

xxxxx

9.4

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

5%, 5%, 5%

xxxxx

Yes

5.38

xxxxx

Suburban

xxxxx

4000130314

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$4,036.36

Yes

11.375%

$5,379.84

$448.32

$2,760.96

$230.08

$0.00

$4,714.76

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.286

1.22

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

788

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

8.0

xxxxx

8.0

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Urban

xxxxx

4000130326

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$1,218.83

Yes

12.000%

$5,006.04

$417.17

$1,446.96

$120.58

$0.00

$1,756.58

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.139

1.13

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

759

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

47.5

xxxxx

47.5

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000130431

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Alternate Income Documentation

1905.00

xx/xx/xxxx

6.410%

Manual Underwriting

xxxxx

6.875%

$2,082.46

$7,982.40

$665.20

$2,687.04

$223.92

$0.00

$2,971.58

$4,228.32

N/A

xxxxx

45.08%

45.06%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Yes

N/A

Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

xxxxx

xx/xx/xxxx

762

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

17.6

xxxxx

17.6

77.89

N/A

Borrower As Individual

N/A

xxxxx

true

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000130464

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,811.00

$3,678.12

$306.51

$3,216.96

$268.08

$420.00

$35.00

$0.00

$3,420.59

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.936

0.93

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

737

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

28.1

57.82

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

3%, 3%, 3%

xxxxx

Suburban

xxxxx

4000130479

xxxxx

xx/xx/xxxx

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

11635.00

xx/xx/xxxx

6.410%

Manual Underwriting

xxxxx

6.875%

$6,139.00

$7,002.48

$583.54

$3,483.00

$290.25

$0.00

$7,012.79

$9,457.25

N/A

xxxxx

43.91%

44.37%

Self-Employed

1YR Business P&L

N/A

0.00%

80.00%

Audited

Tax Preparer

Yes

N/A

Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026

Borrower - 2025, 2026

xxxxx

xx/xx/xxxx

748

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

33.1

75.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

Cash Out - Other

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Urban

xxxxx

4000130498

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.990%

$6,757.00

Yes

24.000%

$4,833.72

$402.81

$3,262.32

$271.86

$0.00

$7,431.67

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.292

Yes

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

742

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.7

xxxxx

6.9

68.24

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <1% of Loan Amount or $2000

xxxxx

5%, 1%, 1%, 1%, 1%

xxxxx

Urban

xxxxx

4000130716

xxxxx

xx/xx/xxxx

Non-QM: Lender documented all ATR UW factors

Yes

N/A

7241.80

xx/xx/xxxx

6.410%

Manual Underwriting

xxxxx

6.750%

$1,556.64

$6,915.24

$576.27

$1,659.96

$138.33

$0.00

$2,271.24

$10,605.99

N/A

xxxxx

28.04%

Not Employed

Asset Utilization (with DTI)

N/A

60.0

Yes

0.00%

Stocks/Bonds

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2026

Borrower - 2026

xxxxx

xx/xx/xxxx

807

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

404.1

xxxxx

404.1

80.0

N/A

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

Conventional

xxxxx

No Prepayment Penalty

xxxxx

N/A - Not investment property

xxxxx

Suburban

xxxxx

4000130841

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$2,901.03

Yes

11.500%

$8,086.68

$673.89

$4,162.68

$346.89

$0.00

$3,921.81

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.428

1.42

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

792

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

51.8

xxxxx

51.8

73.44

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 4%, 3%, 2%, 1%

xxxxx

Suburban

xxxxx

4000130986

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$4,011.48

$13,086.96

$1,090.58

$1,771.44

$147.62

$0.00

$5,249.68

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.905

1.91

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

741

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

14.2

xxxxx

14.2

38.97

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Urban

xxxxx

4000131171

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.990%

$8,897.75

Yes

24.000%

$4,899.96

$408.33

$9,079.92

$756.66

$0.00

$10,062.74

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.193

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

729

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

28.9

xxxxx

28.9

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

5%, 1%, 1%, 1%, 1%

xxxxx

Suburban

xxxxx

4000131405

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$976.70

Yes

11.375%

$2,187.72

$182.31

$701.04

$58.42

$0.00

$1,217.43

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.437

1.3

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

813

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

46.0

xxxxx

46.0

67.59

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <1% of Loan Amount or $2000

xxxxx

1%, 1%, 1%

xxxxx

Suburban

xxxxx

4000131411

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$989.72

Yes

11.375%

$1,875.12

$156.26

$701.04

$58.42

$0.00

$1,204.40

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.316

1.29

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

813

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

46.5

xxxxx

46.5

68.49

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Limited Cash Out - <1% of Loan Amount or $2000

xxxxx

1%, 1%, 1%

xxxxx

Suburban

xxxxx

4000131779

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

$5,000.00

7.000%

$1,463.67

$8,421.00

$701.75

$1,343.04

$111.92

$800.04

$66.67

$0.00

$2,344.01

N/A

xxxxx

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.195

1.19

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

759

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

6.3

xxxxx

6.3

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

5%, 5%, 5%

xxxxx

Suburban

xxxxx

4000132019

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$3,767.13

$13,877.28

$1,156.44

$1,735.44

$144.62

$0.00

$5,068.19

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.755

0.75

Yes

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

800

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

29.9

xxxxx

29.9

64.64

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

6 Months Interest

xxxxx

Urban

xxxxx

4000132023

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$2,447.25

$9,919.92

$826.66

$990.00

$82.50

$3,600.00

$300.00

$0.00

$3,656.41

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds,Stocks/Bonds

Yes

0.957

0.95

Yes

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

793

Unknown

xxxxx

Standard Driver's License - Not for federal use

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

4.0

xxxxx

4.0

60.34

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000132025

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$3,208.58

$3,039.24

$253.27

$1,319.04

$109.92

$1,740.00

$145.00

$0.00

$3,716.77

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.807

0.8

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

739

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

11.8

xxxxx

11.8

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

6 Months Interest

xxxxx

Suburban

xxxxx

4000132026

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,463.48

$6,044.04

$503.67

$8,729.28

$727.44

$0.00

$3,694.59

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.771

0.77

xxxxx

xx/xx/xxxx

729

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

158.3

xxxxx

158.3

48.39

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

xxxxx

No Prepayment Penalty

xxxxx

Suburban

xxxxx

4000132625

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$4,011.74

Yes

24.000%

$3,729.96

$310.83

$1,190.04

$99.17

$1,404.00

$117.00

$0.00

$4,538.74

N/A

xxxxx

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.848

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

739

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

I-151 Permanent Resident Card

xx/xx/xxxx

Fee Simple

N/A

xxxxx

14.6

xxxxx

14.6

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

No Cash Out - Borrower Initiated

xxxxx

5%, 1%, 1%, 1%, 1%

xxxxx

Suburban

xxxxx

4000094066

xxxxx

xx/xx/xxxx

ATR/QM: Exempt

N/A

Manual Underwriting

6.990%

$7,968.60

Yes

24.000%

$20,861.64

$1,738.47

$7,926.24

$660.52

$0.00

$10,367.59

N/A

xxxxx

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.042

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

xxxxx

xx/xx/xxxx

776

Unknown

xxxxx

Real ID Driver's License

xxxxx

xx/xx/xxxx

N/A

Fee Simple

N/A

xxxxx

0.0

xxxxx

126.4

60.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx

false

xx/xx/xxxx

Fixed

DSCR

Cash Out - Other

xxxxx

5%, 1%, 1%, 1%, 1%

xxxxx

Suburban

xxxxx